Terrified of sex

From what your saying it sounds to me like your embarrassed but let me just say you have nothing to be embarrassed about. Sex is natural. As you are finding things hard I think that you should try talking to your girlfriend about sex. When I say that I mean take it gradually don't just jump straight in. Take as much time as you need. You will find that once you start with small things and see her reaction you will realise that you don't need to be embarrassed about a thing and then you will be able to go further. Again when it comes to actually having sex take things as slow as you need to. Your girlfriend will understand. Think of it this way you are not the only one that will be nervous about it. She will too but you can get through it together. Just talk things through with her.

Ok first of all what makes you terrified of sex? and also is it that you are terrified of talking about sex or actually having sex? Im a little confused with this one...

I'm a virgin if that means anything.

It sounds to me like you may be an asexual, like me. An asexual is someone who does not feel any sexual attraction. Asexuality is a sexual orientation and like any other is just the way you were made. Asexuals can experience romantic and aesthetic attraction however. So, you could find someone to be handsome/ beautiful and want to form relationships but with no or little desire to engage in sexual intercourse with anyone; though some asexuals don’t feel those forms of attraction either. Some asexual just find sex boring, others find it repulsive. Let me know if you have any questions.

Have you ever heard of asexuality? An asexual is someone who does not feel any sexual attraction. Asexuality is a sexual orientation and like any other is just the way you were made. Asexuals can experience romantic and aesthetic attraction however. So, you could find someone to be handsome/ beautiful and want to form relationships but with no or little desire to engage in sexual intercourse with anyone; though some asexuals don’t feel those forms of attraction either. There are also grey areas where you may only experience sexual attraction occasionally.

I happen to be asexual. Among the Asexual community there are some Aces (asexuals) who just find sex boring or uninteresting, that is sex indifferent which I identify with. Then there are aces who sex gross or repulsive, that is called sex repulsed. Let me know if you have any other questions. Or check these sources out:

http://www.asexuality.org/en/
http://asexualadvice.tumblr.com/

Organized religion must be a big part of your Life, isn't it? Hey, as a 42-year-old Virgin, I'm kind of scared of sex too - in a way. Mainly though, I ( http://www.youtube.com/user/malestrom1000 ) am just so used to being a Virgin until it's almost nothing to me anymore.

Im exactly the same but im a girl

It's natural to be scared of sex if you never done it before. You sound more embarrassed than scared though. Don't worry, she won't be looking at your penis if you maintain eye contact.
My advice would be to grow with her as a person first. Talk to her about sex. She would respect you for confiding in her and a huge burden will be lifted from your shoulders

Perhaps what you really have is performance anxiety. Given an opportunity to have sex, as an inexperienced lover, you think you will let your partner down.
Well, let me clue you in to something; NOBODY is born with sexual talent! It isn't like being a musician, author or actor; there is no talent involved. We all begin from the exact same place with the same tools. Most gals have little interest in the size of your tool, the good ones are much more interested in you as a person and how well you treat them, so chuck that misconception right out the window.
If you really want to be proficient at sex, then get a job and earn the price of a beautiful, classy call girl and let her teach you a few things. With her you can relax and ask for exactly what you want. Then, when you get an opportunity to be with that girl you like, you'll really be able to please her and she'll be yours.
There is nothing virtuous about being an inexperienced virgin, fumbling around in bed with the girl of your dreams.