I also would say timing belt - especially if you have not changed it at
102K!... Just had same thing happen to me at 115K on my 94 Scort. Not real
easy to see from the outside of the engine, since the belt is under a
shroud, but someone on the list suggested an easy check - open your oil fill
cap on the valve cover, and look inside with a flashlight for valve train
motion while someone cranks the engine (be sure you have the in car neutral
and the parking brake on while doing this so you don't get flattened by a
potential lurching car - actually the car should not crank unless its in
neutral (or park for an automatic). The old style check for ignition spark
won't work on this engine - the ignition sensor is driven off the crankshaft
vs the camshaft - so you WILL still have spark with a non functional timing
belt. That threw me off track for a while on finding my bad timing belt.
If you have not done this job before, or are not very wrench handy, you
might want to let your mechanic handle this one. The hardest part is taking
off the accessory belt pulley on the crankshaft - its hard to get access to
without putting the car on a lift and is torqued on very tightly. A belt
should run about 30 bucks at a discount parts place, and the labor should be
about 2 hours by the shop. While you are having the job done, you should
definitely replace the accessory drive belt if its not relatively new, as it
has to come off as part of the job, so no extra labor involved. Another
thing to consider is changing the water pump, which is driven by the timing
belt, and requires all the timing belt work just to gain access to it.
God Bless and good luck....