Hi jhilkejetho, from your name, it seems like you are a male. However, there might be lots of people trying to put the name of opposite sex curiously. I think if its the case you should be in the age range of 17- 25 from my experience. I'm not psychiatrist though.  I understand the first time is always hard. Its natural. You are kind of confused and scared. It happens to both boys and girls. Usually in our society, there is stereotype that its a very bad thing to have sex before marriage. But people do end up having sex  anyways. It might be because of love or infatuation or might be you come across prostitutes or horny guys and girls.
In your case, since you are married to a guy its not because of society, it should be because of some kind of fear you have from childhood ( may be you got it from some movies where you saw girls got hurt after being raped by mofo villians or you might have been abused when you were kid). This happens lots of times. Some talk about it. Most of them not.
So, don't worry about it. I'm happy that you got such a caring husband. Go for sex. Foreplay and sexy chatting before going to bed might help you. Keep your surroundings romantic with soothing music, nice aroma and sexy light (not so bright, not too dark but you should be able to change the intensity as required). You might want to use lubricants like KY , which might help to make your intercourse unpainful and more pleasurable.
Trust me, its just a first time. If you ride a bicycle, remember those old days. During your learning phase, did you believe you could be able to ride it without falling? Hell no! But finally you overcome all the fear and with your practice, it becomes like a piece of cake.
So, go girl! Go jhilkejetho!Shake that booty your mama gave you with your husband! Please keep me updating on your situation! I might tell you the plan B if this doesn't work for you!

Thanks
Thanks