honestly considering your age its most likely anxiety but id still get to the doctor.....if i was having chest pains and palpatations at the same time id run to the ER but thats just me. i know sometimes i get pains in my chest(probably nothing to do with my heart) and then anxiety hits and my heart starts to race ..... my grandpa had a heart attack when he was 30 something, i told my doctor this and he said its not something to worry tooo much about, he;d worry more if it was my mom or dad. well id schedule an appt ...good luck.
kim