Why do i get artifacts on desktop but not in games!?!?!

[Nicfish]

I get artifacts at random points on my desktop but usually when something is happening, such as scrolling through internet pages. 99% it will do this and then crash a few seconds later, but a couple times it managed to re-couperate. I can play games all day long without a glitch tho! Is my graphics card (ati 3850 pro 512mb) FUBAR or is there a way to fix this.

Screenshots:

Setup is:
Asus PK5c
Intel C2D E2180
Geil 2gb
ATI HD3850 pro 512mb HIS version

 

[Nicfish]

Yeah its not clocked or anything so i guess it will be RMA. I have some RAM i need to RMA too as you may notice by the memtest running in one of the screenies! Thanks for advice ne ways!

 

[Nicfish]

I would not mind a few dots here and there, i could live with that. But when it freezes the whole system, its not too fun!

Oh and it is running stock clocks.