Do you mean your computer or your operating system?
Most computers currently on the market have 64 bit processors, but most are sold with 32 bit operating systems. It's a fair bet that if you have a 64 bit version of XP or Vista, you wouldn't need to ask the question, so I think that you can safely assume that yours is a 32 bit version.
This is the splash screen for XP 64 bit:
http://images.devshed.com/dh/stories/2004-03-0 3/dscf0188.jpg



