Should you be concerned if your heart is beating 98 times per minute while you are just on the computer?

If you are at rest, yes!

Average, "normal" heart rates are 60 to 80 beats per minute and can go up to 100 BPM with emotional or physical activity. The heart rate should drop to baseline after stopping the activity. Heart rate above 100 at rest indicate something is not right.

You should see a physician as soon as possible.

Hmm. For normality +100BPM is tachycardic, but I have a heart problem and my resting rate is 110! I would go to my doctor for a good checkup so that he/she can listen to your heart and lungs, preferably do an EKG or refer you for one, and perhaps do some routine blood tests...108 is borderline abnormal and needs checking out if you are lying down with no other variables...