A Nikon D3100 occasional makes a quiet ka-chunk noise occasionally, when pressing the shutter button.
Also, when re-seating the lens or powering the camera up, it will do the same thing 4-5 times in that first second.
When it does this, looking through the viewfinder, the image shifts a little. It seems like it might shift diagonally. It almost reminds me of when you turn on a LCD monitor on a PC and they would automatically adjust the centering of the image, if you've ever seen that happen.
I've seen people say that this sort of thing happens with a D90 but this is a D3100 with VR turned off on the lens.
FYI: It's my daughters camera, and I don't use it, but she's saying that she's just noticed it doing this.