The others are right in saying that you should wait until you are ready to have sex. However, "ready" isn't something that just dawns on you when you reach a certain point in time, it's something you move towards.
Again, this movement does need to happen at your own pace, but it sounds to me as though you have been stalled by your fears and barriers, rather than that you are just going at a slow pace. I guess you can answer - is this the right pace for me? Am I moving in the direction I want, or am I stopped at an obstacle I can't seem to get past?
You mentioned fear, especially of pain. You're not alone in this. Girls and women are often informed that sex is something likely to be painful and fearful, also a form of submission - and that makes it pretty scary. But those things don't have to be true, and there's lots of ways to be sexual where they are not true at all.
I would recommend viewing sexual activity as a spectrum, not the yes/no, virgin/not-virgin dichotomy we are used to. It's possible to just escalate things really slowly so you always feel safe and comfortable and can step things back if it's too much. For example: kissing - > heavy kissing -> heavy petting -> touching and being naked together -> manual sex (that is imitating sex but with your hands, such as being penetrated by a finger if you are a girl, or touching/rubbing a boy's penis) etc. When I was younger, a virgin and really quite nervous about sex, my boyfriend used to be able to get off rubbing himself on my bum/back. Though it sounds really lame, it's quite an intimate thing to do that can't possibly hurt, and it gets you used to the nakedness, and physical closeness. You could try things like this with your boyfriend, and then might have a more natural/easy progression to having full sex. If you don't pressure yourself, but gradually get used to nakedness, and touching / that level of intimacy, try to fantasise about your boyfriend in that way etc, you'll probably find yourself wanting to do more and more. If you do sexual things that you enjoy, you can't go wrong. But I think if you're avoiding sexual things altogether (perhaps if you are scared things will escalate or you are "leading him on") then you might stay stuck where you are. You need to talk to your boyfriend about your fears, and get the reassurance from him that you need to try out sexy things that are very relaxed and non-scary that you can enjoy. But he sounds really nice. It's hard for him too, to figure what is the best thing to do. He has to balance taking the lead as you are nervous, against not pressuring you, against his attraction to you too. You can make it easier if you come up with a plan together.
This advice might be at totally the wrong level as I don't know what you've already tried / are doing. If that's the case, sorry! Hope it helps though.