The temp you want to be concerned about is that of the CPU. I don't trust most utilities to read the temps, but Everest Home Edition is one that consistently mirrors what is showing in the BIOS. It also is specific in what temps are being read.
Have you tried cleaning out the dust and pet fur? As I said previously, the CPU is the important one, make sure that the heat sink and fan a free of dust. While your at it do a visual inspection to be sure that the heat sink and fan are properly attached to the CPU.
What make and model is you computer, if it's a home brew what is the motherboard and processor? How large is the PSU? What graphics card are you using? How much RAM do you have?