My 2005 s40 has 3k mi on it . The clutch grabs right at the top of the lever when its let out . It doesn't seem to be slipping tho . But sometimes the gears seem to bang when you shift as if you weren't using the clutch . Could my clutch be worn out already or is this an adjustment ? Thanks

also take note of where clutch lever on the case is.
there's 2 lines behind it.  You're supposed to keep the lever between the marks by swapping out a rod under the clutch cover.

for your reference...
http://suzukisavage.com/cgi-bin/YaBB.pl?num=1246935676/0