my motherboard/cpu is less than two years old (i could get exact if i had to) and the fan recently started squealing upon startup. it lasts for a few minutes before going away. it only happens if the computer is "cold" - if i turn it off and right back on a couple minutes later, nothing happens. the squeal is accompanied by horizontal lines at the top of my monitor. they both go away about the same time.
i don't remember for sure, but it may have started the same time that i purchased and installed a new agp video card.