Fungus usually looks more like a network of fine threads running across the surface. These look more like water or oil spots which have dried up. Sometimes dust can settle on the lens, if the speck absorbs moisture it can be a starting point for fungus which could grow in this fashion, so it is better to treat it as if it were fungus just in case.
Hopefully Ric Haw replies, he has more experience with this than I do.