Welcome to the forum. You are seriously overreacting to a risk free event. Heterosexually transmitted HIV is exceedingly uncommon in situations like yours. So congratulations for using safe sex, once you decided on this sort of encounter. And stop worrying so much.
There are 4 main reasons why you are at little or no risk of HIV. 1) You had condom-protected vaginal sex, and condoms work. 2) HIV is not transmitted by fingering or kissing; rarely if ever by oral to penile exposure; and never known to have been transmitted by cunnilingus (oral-vaginal contact). 3) You describe a partner who is very unlikely to have HIV: infection is rare in most heterosexual women and your partner probably is at low risk since she probably uses condoms consistently and has recently had a negative test (people rarely lie about HIV status when asked directly). 4) And finally, even if all odds were wrong and your partner had HIV, and if condoms didn't work, the chance of female to male HIV transmnmission for any single sexual exposure is only around 1 in 2,000 for unprotected vaginal sex. That's why many spouses of HIV infected people don't catch it themselves. (I'll bet you didn't know that.)
You need not wait 3 months for definitive testing. Even though many or most prevention agencies advise waiting that long, almost always the standard HIV antibody tests are 100% reliable by 6-8 weeks; and if you seek out a duo test (for both HIV antibody and p24 antigen), that result will be 100% reliable right now, i.e. any time after 4 weeks. Here is a thread that discusses this in detail:
http://www.medhelp.org/posts/HIV-Prevention/-A-Question-on-Testing/show/1347755
http://www.medhelp.org/posts/HIV-Prevention/Need-your-help/show/1345664 (for this one, start reading with the follow-up comment Sept. 19)
Your risk of HIV is sufficiently low that you really don't need testing at all, except for reassurance purposes -- i.e. get tested if my words don't settle your anxieties and you need a negative result for additional reassurance.
So get tested for reassurance, and stay mellow in the meantime. There is no realistic chance you were infected.
Regards-- HHH, MD