If you've got life left on the pads, it could just be a metal flake in the pad that needs to wear down. Or it could just be a squeaking brake pad that touches just enough to be irritating. Or it could be a wheel bearing.
Did you actually remove the pads to check them, or just looked at the sides? Sometimes you have to pull them out to get a good indication. If they're good, put some anti-squeal stuff on them before you put them back in. How are the discs looking... any tell-tale grooves that suggest a pad wore out and is now metal-to-metal or down to the rivets?
If it does it consistenly with the brakes, I'd focus on the brakes.
2004 Wrangler Unlimited, Shale Green, soft-top, Shrockwork Rocker Guards, Kumho 31x10.5 AT's
[COLOR=DarkGreen]Green Jeep Club Member #119[/COLOR]