Finally figured out my problem and fixed it!
My BIOS doesn't allow me to change the voltage or CPU frequency, and after searching for the right program, I found one that let me do it in Vista.
So I reduced the multiplier from 15.5x down to 15x (running at 3.0Ghz instead of 3.1Ghz), and dropped the voltage from 1.4 to 1.2 (acceptable range for this CPU), and now my problems are gone. The heat dropped substantially.
I also went ahead and changed the thermal paste on the northbridge to OCZ Silver 5 and that seems to have helped as well.
THANK YOU ALL VERY MUCH FOR YOUR SUGGESTIONS!