Gb98 - It does look like the initial stages of male pattern baldness does it run in the family on your mum or dads side ?
Don't panic there is a lot of help out there how about going to your local doctor first and explain your problem , if he or she is not interested ask for a second opinion.
In my opinion people of your age have lots of treatment options moving forward so please don't panic, with professional advice there are treatments out there that can help you don't leap in do lots of research ask lots of questions and get professional advice before starting any treatments.
Best Wishes Mathe