Heatsink fan sounds like leaf blower

Ok I'm stumped and hopefully someone can help me. Some of you may or may not remember that about a week or two ago I was asking about building a throwback AMD build for old games. Well I got all the parts, an AMD Athlon 64 3400+ paired with an MSI K8MM-V, Socket 754 Motherboard. So I get everything set up outside the case to make sure it works. Put the CPU in the socket and locked it down. Put a small amount of thermal paste on the CPU and locked down the heatsink. Then I turned it on and the fan heatsink sounds like a leaf blower. Everything physically boots just fine. It boots to the splash screen then tries to find a device to boot to the OS. It can get into the BIOS just fine and all the BIOS settings have been reset to default just to be sure. Everything seems fine I just can't figure out why the heatsink fan sounds like a leaf blower. The one I am using is a stock cooler that came from an old AMD Phenom II 1045T. The Phenom II is 95 Watts and the Athlon 64 is 89 Watt's so my thinking is if the cooler can handle a hot 95 watt Phenom II it should be able to handle a slightly lower TDP 89 Watt Athlon. The cooler pretty much looks the same and it seems the AM3 cooler should be backwards compatible with socket 754 so what am I missing?
 
Solution
If the CPU is not running "hot" (causing the RPM of the fan do go to a high setting), then the bearings within the fan are shot...you will need to replace the cooler.
according to the BIOS the fan speed is 4500 RPM and the CPU temp is in the mid 30's . Also the fan did not do this when it was hooked up to the Phenom II. The best way to explain it is you know how when you first turn on the computer the heatsink fan spins at really high RPM then after the POST is goes to a normal level well this never goes to a normal level it just keeps going at a very high RPM. As a gamer I'm use to noise and truthfully I almost never complain about noise I'm used to having the CPU and GPU cranked up and having a number of fans so I'm use to noise this though I find a huge annoyance and intolerable so for me to be complaining it has to be pretty bad.
 


I tried that and it helped. It is now hovering in the 2800 RPM area. It is still kind of loud but it is atleast tolerable. I think that is about as good as I'm going to get it with a stock fan.