Ford Focus 04: Noise when moving off

I've got a 2004 Ford Focus with 22,000 miles on the clock.  When
moving off from stationery (whether in 1st or reverse) I get a noise
when coming off the clutch.  The noise is hard to describe - it's like
a groaning / whining sound.

It's been making the noise for about 2 yrs or so, but is getting
worse.  It might be worse when the car's cold.

A local garage suggested thrust bearings - does that sound right?  If
so - does that mean a new clutch?   Also - the noise was first noticed
by Ford when it was under warranty - but wasn't properly diagnosed -
I'm assuming Ford won't be interested as it's over a year out of
warranty.

Michael