Hm... In a sense yeah,
Rubbing her p()ssy outside her panties while she has NOTHING ON except her panties will usually get her really worked up, but she will still have that fear of losing her virginity.
Hm.... analogy....
Think of the first time you tried something risky.
Maybe... jump from one roof to another roof that is close to that one roof, or saw all your friends jumping into a pool from a 2 story roof. Bike trick, skate trick, etc.
Aside from the physical harm, that's basically the way she's scared. It's a leap for her. Do you remember how you were really considering it? how you really wanted to do it? then you finally did it and went weeeeeeeeeeee!!!!!?
She'll eventually grab up the balls to finally do it.
So get her horny, and feeling a lot of warmth, and attraction towards you.
Maybe you can get her to do it when she's stripping.
Let her know you like it,
::: Her stripping :::
You : Mmm, that's great.
You : Damn....
Every 15 seconds or so.
Have her do it slow and sensual. (Girls get really turned on when they slowly strip)
Give her looks that let her know you're horny, but not REALLY REALLY horny... something like an "ooh," type of look if you can somehow get what i'm saying without the face lol. Kind of frowning in a sense. idk i think you catch my drift.
Then look up at her and give her a warm slow smile. Make it really warm, so warm that you might even feel it yourself.
Keep the smile, yet give a slight hint of the horny look your eyebrows, go back to the warm smile, then at this exact moment KISS.
be slow, sensual, touch her, give her ONE comment of your choice.
carress, very slowly, kiss very slowly, try to get her caught up in a "moment"
she's already basically naked.
don't go for the sweet spot yet.
go arooound the sweet spots, hit her nipple with your arm as you're going up to carress the side of her face and put your hand through her hair.
Stop kissing, look deep into her eyes, with a relaxed loose face, (dont' give another warm look) Then quickly but not too suddenly, kiss her again. if she starts breathing a bit harder, or if she starts relaxing more and moving her body more. ( by this time you should have your shirt off.)
Start dry humping.
Put her arm into different spots then rub up her side, onto her face, back down her side, then stop the touchign for a half second, this time put it up to her face, into her hair. THEN direct her hand towards your crotch. (This gives you an excuse to take your pants off.) But not just yet! Have her rub your c*ck Outside your pants, kiss a little more but don't go back into touching just yet, put her hand into your pants. When she starts working that, give it a little time, then take your pants off like they're just getting in the way of what she's doing WHILE you're still working kino and kissing her. (Ie, pull down your pants with one hand, once they get past your knees you can just use your feet)
now you have boxers on, and she has panties on.
Dont' go for the sweet spots just yet...
Kiss, just a touch more of touching (not too much)
Just a little more, then lightly grab her tit, get your hand from there down to her ass, carress her ass just for a half second (keep the mood.)
And put your hand down the back of her panties and touch her ass, then touch her crotch barely all the way around her ass.
Keep your boxers on, pull her panties off, work this a little more, and here's hoping your boxers have that nifty little hole in the front, well, somehow get your magic wand to stick out of there and start rubbing up against her naked *****, Do this for just a small tiny little while, then i think you know how to take it from there

. Usually taking off your boxres gives her the time to re think, take off your boxers after a few minutes of already being in there, (again taking things off because they are just getting in the way.)
All this has to be timed perfect. Just get into it yourself, but not too much. If this turns into a sexual relationship, use this to gain a lot of sexual experience.
If this doesn't work, hey **** it she's still not ready. Just don't pressure sex too much and she wont break up with you.
Keep being don juan, and let things get a little bit more personal.
Then the next time, it will work just don't use the exact same method.
Good luck.
Edit: Haha those dancing guys were funny, ahh... I remember the days of feeling like that, good times.... good times.... Let the good times roll and never waste time! You will regret it. ahh the good old days....

I'll be putting those little dancing guys in for you when you score.