Please don't worry. It sounds entirely normal to me, honestly.
Is she your first? I was the world's biggest worrier with dd - spent my whole time monitoring her to see if she was doing what the books said she should be doing. I feel much more relaxed this time with ds - I think what made the difference was seeing all my friends who had babies the same age as dd, and watching the incredibly different rates at which they all developed. At this age, some talked, some didn't. Some weren't really saying much even by 2, or even a bit older. But they all talk beautifully now.
But you really should speak to someone if you're worried, if only because it will set your mind at rest.