the 9800GT run hot (i owned one) but they should top out at 84c, not idle there.
make sure the video card's fan is clear of any dust. re-seat the heat sink if further temp issues arise.
as for your fan set up. i would leave the front fan an intake, two rear fans as exhaust.
change the top fan to an exhaust. drop the side fan, i find most side fans actually increase temp rather then drop it, especially smaller ones.