Who should say I love you first? The man? or the woman?

This is the dilemma I am faced with! WHO SHOULD SAY THAT LITTLE FOUR LETTER WORD FIRST?

The guy I have been dating for 3 months asked me if I loved him...I wanted to say yes but didn't. I told him I cared a lot about him ...If he does love me or feel this way why ask me first why not have some courage and say it !?

So the next day to after this situation it got a bit awkward when we were together. He seemed cold and distant. I starting to think he's reevaluating the whole relationship. I'm scared that he's gonna cut me loose