Re: Utterly terrified.
I think that if you're having these feelings, maybe you really weren't ready to take it to the next level, or maybe not that far yet. There are other ways you can be intimate without it going too far. If you say that you had not so much as made out with someone before all this, you could have possibly jumped the gun.... If you're having feelings like this, maybe you should just explore a little more into why you feel this way. You can't have a good close relationship if you're uncomfortable, even when you're alone.
Hope this helps some!