Don't panic.
As Dave says - almost certainly due to short runs, and not warming up enough.
Does it get up towards the 90 degree mark in the first 5 or 10 minutes driving, or does it creep up to 60 or 70 degrees?
If the latter you need a new thermostat. (Don't forget the 50-50 antifreeze mixture)
Is the oil on the dipstick anything other than golden, or few few shades darker?
If so, new oil and filter would be kind to it.
Even if the head gasket has gone on this (903) engine, it's by far the easiest to do.
You need time, a small number of ordinary tools, the (cheap) FIAT gasket set, and maybe a Haynes manual (very cheap secondhand on Ebay).