My '97 HB always had a clatter in the steering wheel. It was especially loud going over railroad tracks, or at about 80MPH on poorly balanced tires
I pulled the airbag by removing the Torx security bolts after disconnecting the battery, and found what is labeled in the factory service manual as a "damper"
Apparently it's there to reduce vibrations in the steering wheel transmitted through the steering column. Basically it's a heavy block suspended by rubber studs. These studs were dry rotted, but still intact on my truck - so I just put it all back together. In your case I bet the damper is just flopping around in there. I have head of this before.
The damper isn't available separately... so just toss it and that should fix your problelm.
If you want to review the procedure for removing the air bag check out the factory service manual at
http://www.nicoclub.com/FSM/
Heath