ill bet you its your thermostat, costs 10-12 bucks at honda. requires you to take off the lower radiator hose where it connects to the block, and thats where the thermostat housing is. unbolt the bolts for the housing, take out the old thermostat and pop in the new one. you will likely have to remove the intake pipe to get to the lower radiator hose and engine block. i had the same problem with my 94 ex, my car would never reach full operating temparature. the old thermostat was stuck open and fluid would always flow through the block no matter what.

while you change out your thermostat, when you drain your old fluid( you have to do this so when you open the housing, coolant won't spill everywhere) you can put in new fluid if you haven't changed it out in a while.

good luck, took me 30 minutes the first time...:thumbup: