Is it all stock or have any mods on her?

 

eh a clutch would'nt make a cracking sound, once they wear out they just dont grab anymore.
The only thing I could think of would be a flywheel? I have no idea what a banshee has to connect the motor to the tranny besides the clutch, but that's what it sounds like to me.

 

I would check the clutch basket first. If it's not that, then it's in the bottom end cases and you have to remove the clutches anyway.