Originally posted by StDevious Windows photo viewer
There's your possible culprit. Run a mile away from Windows Photo Viewer. Only yesterday I saw a user on another forum complaining about how it mangles his JPEGs.
Download something respectable like
Fastone Image Viewer (it's freeware) for your basic image manipulations, cropping and resizing. Even Picasa will do better than Windows Photo Viewer.
Other than that your basic EXIF shows pretty normal settings except an unusually high shutter speed for the scene you describe. Given that you seem to have been using centre-weighted AE, and you say the light source was way out of frame, and it doesn't appear exposure compensation has been used, the other things that may account for the high shutterspeed may be stuff like light entering the viewfinder, or AE-L being left on from the camera metering a brighter previous scene.
Either way all this is just guesswork without seeing the full un-cropped image with full EXIF. But hopefully it may be helpful.