In all seriousness you just need to get your 'firsts' out of the way and **** them up like everyone else does!
First kiss, first girlfriend, first bumping uglies...
It's not as extreme as your case but an old mate of mine was about 23 I think before he did pretty much anything with a girl. He's a good looking lad, and now he's found his feet they're pretty much all over him, just for whatever reasons (shyness, bad luck, realising it hadn't happened yet and making it worse) it didn't happen until then.
Once you get over the hump, as it were, you'll be absolutely fine. You're not a freak, you're not mentally ill, it just hasn't happened yet. Yes it's unusual but there's no point you'll reach where it will never happen.
Get rid of this as an obstacle in your mind. It's nothing.