Just replaced one. First, disengage the tensioner spring and remove the two gold colored pulleys being careful to note how the spacers and guards are on them. You'll probably have to block the tensioner with a piece of wood or something to get enough torque to undo the nuts on the pulleys. You do not have to remove the black pulley. Take a picture if you can for later reference. You'll also have to unbolt the steering arm where it attaches in front of the left front tire. Disconnect the P.T.O. power connector. Then slip the belt up and off the back pulley to where it's between the pulley and the fan. Then pull it out so you can get it off the P.T.O. pulley. To install the new one start with the rear pulley first and get the belt over the fan blade and above the pulley so you'll have enough slack to slip it over the P.T.O. pulley. Then put the belt on the fan pulley. This is a pain but I turned the fan by hand to get the pulley to turn and seat the belt. Be careful you don't break the fan. It would be a major dissassembly to put a new one on. Once you get it seated you just replace the pulleys. Hook up the tensioner spring and reconnect the P.T.O. power connector. It was a pain but, saved me about $90.00 by doing it myself.
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Go to http://outdoorpowerinfo.com/repairs/deere_stx38_gear_drive_belt.asp for pictures and descriptions of installation of drive belt and deck belt for John Deere STX38 Tractor with black mower deck.
A diagram can be found in the related links.