You need a hot spot with a hide on it (your under tank heater) at about 90f. If you don't have that then adjust it.
The under tank heater doesn't really heat the air in the tank so you still need the lamp unless your room is warm.
You should set the lamp so that the ambient air temperature is around 80f on the cool side. If it's a little warmer on the side with the hot spot that's fine.
I would put the lamp either on the hot side or near the center so that it heats all the tank a bit.