Hi Goldigga
If your worried about the immediate state of the belt you can do some easy visual/physical checks:
check for wear on the teeth, edge of the belt and any cracking at the root of the teeth,
check there's no deterioration of the belt from oil etc which can cause swelling and deterioration of the rubber, and no debris (you will get some build up of muck anyway)
Look for crazing on the surface of the belt - caused by friction, also for splits or tears.
Belts are usually quiet under normal running conditions - if its whining its tightened up too much, if theres slapping it indicates it could be loose. to check the tension is easy - take the belt between thumb and finger and you should just be able to twist it 45 degrees, no more or less.
If the belt is damaged or loose the timing will be out which could result in the pistons and valves making contact which is not good and would mean expensive replacements. It wouldn't hurt to get the belt checked out by a professional if your not sure, then take it from there.
Hope all is good,
L