If you can see the belt when you look in the engine bay, chances are its the auxilary drive belt, unless your running it without the cam belt cover, which quite a few people do these days.
If you look at this pic, the cam cover is silver, and it has the black plastic spark plug cover running through the middle of it, that says duratec st etc. well if you look to the left side of the cam cover, there is another black plastic cover, that goes from top to bottom, that is the cam belt cover. it should be two, or three at the most, bolts/screws holding it on. should take literally a couple of minutes to take it off mate, then you will see the belt