Well you've only just started, how many times have you had sex?
Why is it bad? Does it still hurt? or you just aren't feeling anything?
There are plenty of stickies under the New to Sex forum...regarding "why can't I orgasm"? and tons of other good info.

The fact that you masturbate and can give yourself an orgasm is good and is usually the first step!
You just have to communicate to your b/f what feels good to you.
You are both inexperienced... you can't expect him to just "know" what you like...you have to tell him!

Like I wrote in some other post... The first 10 times or so I had sex it was awful and hurt. After that it slowly got better and today I really like it... Perhaps it's just the vagina getting used to having "something" up there...

That said I agree with demonbuttercup. Your boyfriend can't read your mind and you can't read his.
Tell and/or show each other what you like. It may feel arkward at first, but you have to learn to speak up someday, so rather get it over with right?
You can also give your boyfriend hints about what is good by only responding to the things that feel nice and not reacting when it doesn't. Perhaps sigh or moan a little when he does it right and then stop when it's no good.
He will be listening intently to you and your responses so he should pick up the hints and adapt.

Remember, don't take things too seriously. Have fun and have irony - if things get a little embarrasing, then just laugh together and joke around. It makes some of the tension go away.