131F is ok after a few hours of hard use.
But, it is very high for just after startup.
Start by seeing if your CPU fan is clean of dust, and spinning freely.
If so, it may be too small a fan for your CPU.
Either way, I would replace the heatsink and fan.
Take a look at the Thermaltake Volcano or Orb series.
A Volcano 7 should be more than enough for a 1GHz Athlon.
Next, check your airflow through the case.
Are the vents blocked, dust covered,
Are cables in the way of the air flow.
Consider installing a case fan to blow air into the case.
The only other thing to check, is the CPU 'core' voltage setting.
If the core voltage is set too high, it can cause the CPU to over-heat.
AMD has made several models of the Athlon CPU, so verify which one you have, and look up the specifications on AMD's web page.
You can check the core voltage setting using a motherboard monitor program, or from the CPU setting page in BIOS settings.
I have read of failure in the voltage regulator circuit. You may need to have a technician measure the actual CPU voltage.
Chas