with those god awful temps, i have to wonder about your heatsink and/or case cooling.
1) u should have at least a single exhaust fan in your case, behind the cpu drawing hot air out of the case.
2) your heatsink should be spec'd to cool a 1.4ghz t-bird (not XP, whcih runs cooler)...if not, u're using an inadequate heatsink...oh wait,...u say swiftech - which model?...that hardcore overpriced version???...if so, it's odd taht yoru t-bird is running so hot...again, check your case air circulation...make sure it isn't a mess fo cables in there blocking air flow and have at least a single exhaust fan...an intake is recommended as well - use those silent case fans u have handy (i.e. the 92mm)....also, use thermal compound vs. thermal pad (on the sink) to make contact between teh cpu and heatsink...it tends to provide better cooling