Also, Bob....do you have the metal heat shields installed around your engine? They are supposed to be there to insulate the hot exhaust area on the bottom from the cooler fan inlet area on the top. If they're not there and the engine is stock, then you'll often see temps as you wrote. If you open the engine cover and look down onto the engine, there shouldn't be any open space around the engine AND you shouldn't be able to see the ground from the engine bay.
Lastly, check and see if the air vanes are installed in your fan shroud (you should be able to see the actuator arm going across the back of the fan shroud at the bottom, and/or the vane shafts sticking out at the bottom of the shroud). If those vanes aren't there the engine will run a bit hotter, too, but the heat shields mentioned above are more important.