(AT&T Device Support Center, somewhere south of Denver, Salt Lake and San Francisco, and west of El Paso and Denver...)
My phone did that twice last night. Since my 1 year warranty doesn't expire until next week, they were happy to replace my phone today (Monday morning). I prefer it, since I now get an extra 11 weeks of warranty and updated firmware. Display is more clear, font on lock screen is different.
They said they had a few of these in yesterday, and suspect it has something to do with software upgrades. At least at my DSC, there were no questions about warranty replacements.