I believe that this may be anxiety, but to be safe, you should be evaluated by a cardiologist asap or by the ER.
One more thing. Yes AFib increases the risk of stroke/clots, but I'm not sure I would use the word "dangerous" in describing it. There are many people who live with this condition every day of their lives. And there are treatments (anti-coagulation) that greatly reduce the likelihood of strokes/clots. As long as it's confirmed to be AFib and not some other more serious arrythmia, things aren't so bad.
There is also a Yahoo group dealing with AFib. You may want to drop in at
http://health.groups.yahoo.com/group/AFIBsupport/ , just to see how common it is and how many people live with it every day.