well naturally quad cores run a good bit hotter than core 2 duo's but even so 54 load is somewhat high. Your oc'd to 3ghz right? how's your fans hooked up for power...I know the higher end panaflo fans (like the 2 80mm 45cfm ones I have) dont get enough power off the mobo vs off an ATX.
In my opinion, 55c is hot , but its still ok and well within safe limits (like i said...quad cores are rated up to 71c. Most quads actually run around 60s load with stock heatsinks (at 2.4 may I mind you and not oc'd to 3ghz). I just hate running a cpu that hot even if it can take it. Mainly because it will make everything in your case extremely hot will lead to higher temps on the video card and memory if you dont have efficient cooling
We should get together and have a Lapping party (i know..it sounds dirty but its not...LOL) Get that cpu and heatsink smooth and shiny and watch your temps drop to 40s (the biggest success stories I'm hearing come from the quads since they run so hot out of box...they drop the most...like 8-10c!)
Here's a link you may wanna check out
http://www.maximumpc.com/article/quad_core_youre_so_hotI mean now that I did it...I'll never buy another processor and not Lap it before install. Mainly because the difference is so much. I mean look at what decepticon said..he's getting 40-45 on load at 2.66. With my lapped cpu, I'm getting 42 on load and i'm oc'd to 3.2ghz..thats a half a gig higher and I still am hitting lower temps