The most common adjustment is : set the oil level right. If the oil level is low you can experience this condition. If the oil is not aerated (no tiny bubbles in it) it will probably needs new lifters.
I know with my Ford Explorer was making noise and it is the lifters wearing out. After each oil change it would quiet them down but as soon as I was up for another oil change (2800-3000 miles) it would make the noise again. The shop wanted $800-1000 to replace the lifters. Not sure if your lifters are going but with it being a 1995 it might be. Hope this helps.