I have a 1995 Toyota Tercel it will not start. I have check the battery connection it good. The panel lights come on, but engine will not turn over (start). Would this be the starter problem.

Remove and fully charge/replace the battery. Most auto parts stores will test and charge batteries for free. They will also test starter motors and alternators for free.

I suspect your battery is bad. Here's some additional information in the Sticky that might help:

https://www.askmehelpdesk.com/cars-trucks/faq-how-troubleshoot-repair-maintain-hondas-selected-other-vehicles-46563-3.html#post235560