1) Like the above poster said, clean the dust.
2) Make sure the fans are working (*especially* the fan on the power supply)
3) Run MemTest86 for a while. This will tell you if it's bad ram.
4) If the problem still occurs, it is most likely a bad power supply. Do *not* replace it with a cheapo though, get Fortron, Antec, OCZ, or Zalman (there's a couple of others..). A bad PSU can fry the rest of your components or even worse - start a house fire.
This happened to my mother's computer (Running win98, heh). The fan on her PSU burnt out and 4 months later the PSU burped up a cloud of dust and died. Even if you clean out the case the PSU is probably filled with dust.. (I wouldn't recommend taking it apart though)
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