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2nd Gen Ram Tech1994-2001 Rams: This section is for TECHNICAL discussions only, that involve the 1994 through 2001 Rams. For any non-tech discussions, please direct your attention to the "General discussion/NON-tech" sub sections.
Pull the cover off and see if there's a clutch pack right next to the side gears. If there is, it sounds like they're worn out and you're due for a rebuild, or better although more expensive, replace with an aftermarket unit. Locker or LSD, your choice.
No big deal to pull the cover and put back on. Just clean it off and put a bead of silicon on it and torque the bolts back on.