Shoulder Pains

I am 58 and, as Laughing Lennie Cohen would say, am starting to "ache in places where I used to play" and accept that, BUT since taking up regular cycling, I have started to suffer pain in both my shoulder joints/ligaments/muscles. The right hand side is worse, but the left hurts as well. The pain is mainly on the top of the joints and is worse when I lift my arms up (yes, I know, don't do it then).

My question is....is this caused by my doing something wrong....is the bike set up wrong...or is it just age again!!!