Hi.
It's completely normal to feel confused when trying to decide whether to have sex for the first time. This is a very important decision that could have far-reaching consequences. It's too bad that your mother hasn't braved The Talk, yet. However, it seems as though you're already anticipating that what she'll say to you will be critical and one-sided.
But don't let that stop you from getting information on your own. As a start, check out gURL's Deal with it! section. Your school counselor or doctor may actually have pre-prepared information packets for teens that are facing decisions about having sex and will be able to answer questions you might have. You can also receive information by calling, visiting, or going to the website of a family planning clinic like Planned Parenthood. There, counselors will be able to explain your options for birth control.
Whether you decide to have sex in the near future or not, it would be a good idea to talk to your boyfriend about the importance of having protected sex when you do decide to "go there." That way, you'll both know the rules and will be less tempted to risk pregnancy or STDs.
One more thing: If you do decide to have sex, always use condoms. Though you may ultimately decide that the pill is the right method of birth control for you, it does not protect against HIV and sexually transmitted diseases.
Good luck.