I need to figure something out.. girls only?

[jo0o0osh]

I've been seeing this girl for over two months already.. and things are going ok.. she's nice and all.. i like her but its hard to click with her on certain levels.. i've been going over to her place and her parents like me.. her brothers too.. they think i'm a really good guy and everything.. which I am.. atleast i think so.. I don't drink even though i'm 21 and she's turning 23 soon.. (i hate the taste of alcohol, plus i'm a muslim), i smoke only to socialize.. i'm an honor student at my university.. straight A's.. and i'm planning to do something with myself.. i've been going over to her place lately and we've been having those long make out sessions on her sofa.. kitchen table.. her bed.. and yesterday we went a little further.. way further because I'm a virgin and i'd like to keep it that way.. but we grabbed eachother and did some things.. i just got off the phone with her and i told her that it felt good what happened yesterday.. and that maybe i'd like to do that again.. and she asked with or without our clothes on.. so i made up an excuse and had to hang up.. i'm nervous because obviously being a guy.. we have urges but i can control my urges and say no to certain things.. but i'm thinking of doing it for the first time but i dont know if i should.. i'm still a virgin and my belief is to save myself for marriage.. i practice abstinence so i don't know what to do.. should I.. or should I just tell her that is something that I just can't give her?? any advice on what to do??