Thanks, thanks, thanks guys. Well I was checking the temp sensor at location where you guys described and guess what, it was broken and just hanging there. I picked up the $12. part down the street and installed yesterday.
I was amazed at what that little sensor controls, the temp gauge now works as it should, the fans cycle on and off correctly and the A/C now blows cold. I was having visions of taking it to an elec. shop for diag. but damn this was an easy fix.
Only real issue I have now is the check engine light, don't know if the sensor also trigger the light so I'll unhook battery for a few hours to reset and see what happens.
Saved me from a headache guys. Later.