It really depends on how she acts. Women (and I am convinced men have as well) are capable of having male friends that they do not have romantic feelings for.
How do I know if a lady that I always chat with love me?
If a girl really loves you, her chats can show this. She talks a lot about love and can't stop having that chat. She is usually happy whenever you chat - smiling and just making those 'love' noises.