It's not at full load, but, by the same token, it has not loaded the halt-on-idle driver yet. You can see the same thing if you boot to the Dos prompt, or wait at the "enter password" once Windows starts. Where my CPU is at 22C from the Windows desktop with halt-on-idle functioning, in bios, it will rise to 33C and at full load (Prime95) it will run 37C. The bottom line is, there is nothing wrong with this happening on your system. BTW, I have a thermocouple mounted on my HSF to an external meter. That's how I can see the temp in Dos or at the logon dialog box, in case you were wondering.
Hoot