What is the possibility he's holding the T?

[maverickai]

62.86/1.77/
Flop agg: 0.65
Trun agg: 1.14
River agg: 3.33

Full Tilt 0.25/0.5 Hold'em (8 handed) Full Tilt Converter Tool from FlopTurnRiver.com (Format: 2+2 Forums)

Preflop: Hero is SB with J[img]/images/graemlins/diamond.gif[/img], A[img]/images/graemlins/club.gif[/img].
UTG calls, <font color="#666666">3 folds</font>, CO calls, <font color="#666666">1 fold</font>, Hero completes, BB checks.

Flop: (4 SB) J[img]/images/graemlins/heart.gif[/img], A[img]/images/graemlins/diamond.gif[/img], 4[img]/images/graemlins/diamond.gif[/img] <font color="#0000FF">(4 players)</font>
Hero checks, BB checks, <font color="#CC3333">UTG bets</font>, CO calls, <font color="#CC3333">Hero raises</font>, BB folds, UTG calls, CO calls.

Turn: (5 BB) K[img]/images/graemlins/heart.gif[/img] <font color="#0000FF">(3 players)</font>
<font color="#CC3333">Hero bets</font>, UTG calls, CO calls.

River: (8 BB) Q[img]/images/graemlins/club.gif[/img] <font color="#0000FF">(3 players)</font>
<font color="#CC3333">Hero bets</font>, UTG folds, <font color="#CC3333">CO raises</font>, Hero fold or call?

My most feared card falls on the river... How am I suppose to assess the liklihood of him holding a Tx?

Would a bet/fold be a better action?