1047785
If your temp. gauge is showing normal (slightly less than half) it´s probably in your heater controls or somewhere else in the cooling system.  Have found on earlier models down by the heater there is a wire control to a little door (flap) that sometimes pops off, can be checked with a flashlight under the dash on the passengers side.  Have heard air blocks in the cooling system mentioned, the best remedy seems to be, park it on a steep hill nose high and rev. it up some.  Have also heard of plugged heaters, but 95 sounds a little to new for that one (crud settles in the heater).  Have also seen the air intake for the heater plugged with pine needles.
  Hope it´s not the dash, been there done that, not fun or easy.  Unless you have really tiny hands.[addsig]