I disagree, but there's a way to find out. Turn your graphical details down. If FPS goes up, then yes, your graphics card is holding you back. If FPS stays the same, the CPU is your bottleneck. This is what I am inclined to suspect. Your results in WoW also suggest a CPU bottleneck to me. Crowded areas are not graphically complex, but do require the CPU to do a lot more work. Have you overclocked your CPU at all? You should be able to hit 3.6GHz fairly easily, and 4GHz is not unreasonable, if you have a decent cooler (e.g. most any tower-style 120mm cooler such as a Xigmatek Gaia).
Skyrim could be a little of both. The very highest settings on everything may be a bit much for the GTX560Ti, but you should still be able to play on near max with that card. If not, it's probably the CPU.
Get a new motherboard and you shouldnotice better frames, trust me i was in your shoes a few months ago. I had a M4A88T mob and a 955, after i put it in the new Sabertooth 990FX i noticed a 15fps increase over my 45-50 avg. Better chipsets make a difference
thank you jtt283 for your input. i did some tests in world of warcraft.
before doing this test i did find a guide on here to overclock my cpu and i got it to 3.8ghz running good so far.
everything on ultra 16 x anisotropic and 8 x multi sampling i was getting 30 fps standing still in stormwind near the AH.
i turned the particle and textures down to low i saw a increase to around 34fps.
i tried turning the shadow down to low and there it was an increase to 60 fps?. any idea what this means? graphics cant handle the shadows, or cpu cant handle the amount of shadows?. edit. its only on ultra is high resolution dynamic shadows for the entire scene?. when shadows are on high it goes to 52 fps.
cheers rockdpm ill keep it in mind. im not sure if i want to spend lots on new components before i know what i need.