it looks like maaaaybe your crown is starting to thin, but with wet hair, almost everyone can see scalp. have you been noticing more hair coming out when you shower, on your pillow, when you run a wet hand through your dry hair? if your answer is no to all of these, then i would relax, you're probably cool.
at the same time, if you are noticing extra fall out, now would be an awesome time to start propecia, keeping that head of hair for a long time (maintenance) would be like fighting male pattern baldness, without ever having to deal with the self confidence problems. the only reason i say this, is because when i was 21 and noticed extra fall out, i freaked out, went on treatments then just stopped and my hair looked the same for three more years, until BAM! now its where i dont' feel comfortable under bright lights. i wish i would have started at 21, so i could maintain while i was 100 percent happy with where i was at at that point. now i have to fight to get some back, and that's harder