We propose a novel terahertz-wave source through the four-wave mixing effect in a conventional single-mode optical fiber pumped by a dual-wavelength laser whose difference frequency lies in the terahertz range. Surface-emitted geometry is employed to decrease absorption loss. A detailed derivation of the terahertz-wave power expression is presented using the coupled-wave theory. This is a promising way for realizing a reasonable narrow-band terahertz-wave source.