How did you know whether the timing belt in your 95 ford contour GL 97000 miles need to be replaced?
If you have the 2.0 DOHC engine, it should have been replaced at
60,000 miles. You cannot just look at a belt and tell if it needs
replacing. It may look fine and also be ready to fail, as there is
no warning of imminent failure. This is why the manufacture has a
set time for replacement. Your engine is NOT an interference engine
so no damage will occur if it breaks, but you could be stranded and
have to pay for a tow. So, if the belt has never been replaced, you
are running on borrowed time and it could break at any moment.
Replace it ASAP!