Hey guys -

Searched a ton of threads - and although I found similiar problems - haven't been able to find the same exact issue I'm having. Would like to get some input from you guys, and find a DIY fix to this some how, some way.

Car:

1996 Honda Accord LX 4 cyl. Manual

Problem:

While driving - clutch in gear or not - the faster I go, the louder there is - what I describe as "studded snow tires on asphalt" type of sound. I've seen many people describe the same type of sound only when in gear - but this seems to happen whenever I simply go down the road. It seems to be only dependent on how fast I am going - to how much noise the problem makes.

I've already gotten two opinions from local stores - but I don't trust half the advice they give me (ie Pep Boys & Big Ten Tires). I've had both say at first it would more than likely be a wheel bearing - and afterwards change their minds to some kind of transmission bearing.

Could this possibly be a shaft bearing or even a differential bearing?
Anybody seen a write up that has information on these problems that I could investigate further?

Thanks - everyone here seems awesome and I turn to you guys for some advice - any given is MUCH appreciated. THANKS!