There is no "water gushing" involved with orgasm, though when a woman is very aroused, she can produce more liquidy vaginal lubricant, as well as experience something called female ejaculation. The natural vaginal lubricant/secretion comes from the vagina, the ejaculation has a watery, liquid consistancy and comes from the urethra (where you urinate from).Most women won't experience ejaculation, though some do, and you may as well. More likely you will experience an increase in vaginal lubrication.
As far as what an orgasm is, it's somewhat difficult to explain as much of it involves the brain, and orgasms are different person to person.
As far as having an orgasm, if you've never experineced one with masturbation, it may be hard to know what your partner should do to help you reach one. Really, you'll need to communicate, tell him what feels good so he can continue doing it, suggest things to him, play around, have fun and see what comes of it.
For many women, as well, vaginal penetration is not enough to stimulate them to orgasm, which means even if intercourse with your boyfriend feels good, it may not be enough. For example, you may need clitoral stimulation, as well.
It's highly unlikely there's anything wrong with you. Just relax and enjoy what you're doing. Never look at orgasm as a goal you need to reach, because the more you do, the less likely you are to ever reach it.
Try reading some of our articles, these in particular may help you out 
Female Sexual Anatomy (So you know just what you're stimulating)
Sexual Response and Orgasm
(Mindmeld!)
[This message has been edited by dailicious (edited 11-11-2005).]
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