It sounds like your saying your testices don't hang low enough. Don't worry about that because young guy's testicles often retract closer up to the abdomen--especially if you're cold, anxious or fearful. Also, I'd say your penis is normal sized for an adult. Mine is about the same size at 5.5" and I'm 31. Also, its really hard to make comparisions in the locker room because flaccid penises come in all sizes. Normal probably being about 3 to 4 inches.
Finally, don't worry about being a virgin. There's lots of guys out there your age that still haven't had sex yet. Guys often brag alot about losing their virginites at young ages but often this is just bragging!!
Hope this helps,
jmarchett1
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Small testicles 
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