Eventhough it might seem that you're out of step
with your development, that's probably because you're spending too much time comparing and wondering and waiting! Everyone is different, everyone develops at their own rate, I doubt you're that much different. When you wait, it only feels more like you're that much different.
If you've got hairs then you've begun puberty. They usually show up as fine, downy hairs, like peach fuzz (regardless where they are), and most guys actually miss this beginning stage. Then the fuzz thickens, then it darkens, then the texture changes. All veeeery slowly. But, once it begins, it progresses. Hang in there, you'll be a wooly mammoth soon enough!