Change it. If the belt fails, the valves go bang against the pistons, which is a bad thing.
Spec on my Civic is 90,000 miles. Your 98, even though it has the same engine, is spec'd for 105,000. Either way, you're due for a change. I'm at 187,000 so I'm due for my second belt change.
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11-mile commute: 100 mpg - - - Tank: 90.2 mpg / 1191 miles
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