Go with the flow. It's her place, she'll set the rules of the game. Just know that sometimes the rules say "go," and when it time to go you have to be ready. Take iniative. If she wants to fuck you'll know.
And if the pants do come off...don't tell her you're a virgin or cop pleas. Again, go with the flow. But know your limitations. I'm going to assume your stroke game isn't great, but I'd imagine most white chicks in the south haven't experienced decent stroke game. So like I said ages ago you have to compensate with something: eat her out. Kissing will probably be awkward but kissing her neck is easy. Sucking her breasts is easy. Kiss down to her navel and lick it. Kiss her thighs. That area of the groin that's between the thigh and vagina, when her legs are spread apart? Lick that area trust me. Lick around her vagina without actually licking it yet. You're building anticipation. You want her wet before your tongue or dick enter Valhalla. I'm hoping you've familiarized yourself with the areas of the vagina by now. Know where to find the clit, it's very easy. Just think wizard of oz: you're pulling up the hood/cloak and then you see it.
Don't attack it outright. Lick around it and then light tongue pressure. Increase as you go. Assuming she doesn't tell you "keep doing it like that" you want to alternate a bit. Maybe lick the clit, suck it, lick the area of the groin area I mentioned, go back to the clit, thighs, etc. And then go ham on the clit.
We'll discuss fingers later. But the point of this is that by the time you stick your dick in you've already made yourself memorable, maybe she nutted if you did it right/she's in the mood, and she doesn't simply remember your time as awkward kisses and struggle strokes. Trust me, if you eat her pussy right she'll drive to you next weekend.