Sorry in advance for the length of this post, but I wanted to include as much information as possible since I don't know what is pertinent. I appreciate anyone who take the time to read and respond.
I am 27 years old and at the end of this month I will have been married for a year. My husband and I have not yet had sex.
We met in High School when I was 14 and he was 17 and started dating when I was 15. He's the only guy I've even ever been on a date with, so I've had no bad experiences with other men. We dated on and off throughout High School and College but have been together consistently for the last 8-9 years. During the time we were dating we messed around some(petting, touching, oral sex, and hand jobs), but I was adamant about not having intercourse. A couple times we stopped all sexaual activity for several months as it was something neither of us really wanted to do until we got married, but at times we stumbled (darn those hormones!). We got engaged in November 2000 and only once or twice that I can recall did we do anything sexual in the time we were engaged (5 1/2 years).
As the wedding got closer I started thinking about sex and feeling really nervous about it. I talked to my husband about it and told him that I didn't think I would be ready to have sex on the honeymoon. He was fine with that and we talked about it many times leading up to, and even after the wedding.
The thing is I have absolutely no desire to have sex. I'm not even really sure why. I know I have a sex drive inside me somewhere because I do recall one distinct time when we were engaged and messing around that I seriously thought about having intercourse.

If I knew what was causing this then I could fix it, but I don't know. I used to think it was becuase I was scared of getting pregnant, which is my worst fear in the world, but I am on birth control, and my husband has agreed to used condoms as well so that I will be more comfortable so thats not really an issue anymore. He has been incredibly understanding and patient, but I know that he really wants to have sex (he has never had sex either).
I'm thinking I should just do it and get it over with even if I don't want to, and then maybe it will be easier, but I can't bring myself to do that.
I don't know why I feel like this or what to do to fix it. I try to think about what is preventing me from having sex and how I would feel if I did and the closet emotion I could come up with is embarassment, but that doesn't describe it exactly so I don't know.

Any help or suggestions would be appreciated and feel free to ask for more information . Thanks