Is it normal that i'm scared about making love?

Okay...I'm embarrassed to admit it, but I've never had sex before. My boyfriend suggested that maybe we do it sometime but the idea worries me a little. You often see people who's relationships revolve around sexual acts and I really don't want that to happen to me, so to speak. One of my colleagues keeps bragging about all these girls he's had one night stands with, and he still refuses believe that a 23-year-old guy has never done it with anybody before and laughs when I insist I haven't; so please don't make fun of me too much haha. Don't get it wrong, my partner is the kindest and most incredible person in the world and I greatly, greatly doubt he would ever exploit me in any way. And although I think I'm ready for it, it's still in the back of my mind all the time and I can't stop dwelling on it. Does anybody have any advice?