A quick fix to possibly drop temps a few degrees on the cpu would be to use some artic silver 5 (assuming you used the pad that was originally on the heatsink or in some cases, even the heat sink grease that came with it). Everybody's temps are all well within spec though and are plenty safe. I have an athlon xp system that runs about 50c full load (pushed my overclock as far as I could with the cooling that is currently on it). Amds don't get damaged till about 70-80c, though its usally a good idea to stay reasonably well under that. Also, if you are using a factory amd heatsink, you can get something that will give a little extra cooling for not too much money (if you watch for sales). One good place to watch is compusa. they occationally run mad dog (rebadged thermaltakes) on sale half price so about 20$ for a solid copper heatsink with a volcano adjustable fan.
Also, if you have fan mounts in your case that do not have fans in them, put fans in them. You will never get temps down if you do not have adaquate air flow through your case. You can get decent 80mm fans for under 5$ ea.