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I discover that on my Fedora 7 there is a mountpoint command.
From man mountpoint:
NAME
mountpoint - see if a directory is a mountpoint
SYNOPSIS
/bin/mountpoint [-q] [-d] /path/to/directory
/bin/mountpoint -x /dev/device
Apparently it come with the sysvinit package, I don't know if this command is available on other systems.
[root@myhost~]# rpm -qf $(which mountpoint)
sysvinit-2.86-17
if mount | cut -d ' ' -f 3 | grep '^/mnt/disk$' > /dev/null ; then
...
fi
EDIT: Used Bombe's idea to use cut.