You're new to the whole sexual thing, so it's natural to be all confused.
My advice would be to do what you think is best, and only what you're both ready to handle. Girls attach a lot more emotions to sex than men (stereotypically speaking), so be careful.
I didn't have sex until I was 18, but fooled around a bit before that. Just have fun, be open and communicate, be mature, experiment, and relax. The first few times you try to have sex, you may not even be able to do it - hell, I wasn't. So if stuff goes wrong, don't worry, just relax and go as fast or slow as you need to.
Now to what you said. 1 "date" and then talking on MSN for 2 months? Does this mean you've only actually seen her once in 2 months, or just been on 1 official date?
Regardless, don't do official date-dates; their just bad. Trust me, just don't do it, esp at your age. Her parents may find it cute and charming, but that's about it. (When I say date, I mean the whole buy her a movie and dinner and kiss goodnight if you're lucky crap) Besides that, meet up! I know at your age its hard to get rides etc, but there's nothing better than the real deal (or at least webcam). I don't know your exact situation, so it may not apply to you, but I digress.
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