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I was in a very similar situation, as were my three (attractive, urbane, wonderful) roommates. I didn't tell the guy until after it was over, and even then I only said anything because I couldn't really deny the evidence. I sort of regret not telling him first, but the truth is that my virginity wasn't meaningful to me and I didn't really want to make an issue out of it, for the same reasons as you. My point here is to reassure you that you're not some sort of freak, and that no guy who is freaked out by your virginity is worth pursuing. There are a lot of women in their 20s who haven't had sex, and a lot of guys who are too intimidated by the pressure of being "first." Especially if they're not sure they want to pursue anything further - despite the fact that we're not necessarily interested in that either.