Hey - just ran across your thread. I have a '97 as well and as of about 4 days ago, I began noticing a whine. It has progressively gotten worse. Like yours, it only occurs when under a load. When I mash the clutch, the sound disappears. Although there's not really any noticeable difference in 4wd or not, there is a transitional sound when I let off. Took the rear cover off and other than a very bad burnt smell, no serious markings on any gears and no slack to speak of (backlash out of whack). Front, rear, trans and xfer case all full and clean. Don't want it to get any worse but can't isolate either. Thinking it's the trans because if it was any other contiuously moving part (bearing, u-joint), it would make the noise whether in gear, under a load or not. Trans shifts fine though??!! Just wanted to bounce this off you even though yours is fixed - just didn't want to believe it was the rear in mine...crap!