Indeed you have every chance of 3ghz on stock hsf providing you have nice low temps. Your cpu (as with most other A64's) will handle upto 1.55v np so long as you have good temps. If you wanna ensure lower temps and perhaps increase your OC even further beyond 3ghz then I'd suggest looking into a third-party HSF designed to give very low temps (for air).
Also, which memory are you using, DDR2-667 or 800?
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