Should I replace timing belt for my 7-yr. 73K Civic?

I have a 2004 Civic, so it's over 7 years now. I put ~10K per year, so it has 73000 mileage now. Maintenance schedule says timing belt should be replaced at 110K or 7 year whichever comes first. My question is: since my car's mileage is far from 110K, do I need to replace timing belt now? What about water pump?