take the screw out of the center of the inside handle, and take the cover off that the screw is holding on. the door handle should pull out and forward a bit, and you should be able to get to the lock rods and pull on them. one should unlock the door, and the other should pull the latch open.
mine did the same thing, some part of the linkage for my aftermarket power door lock actuators got bound up and wouldnt let the door unlock.
this was on a 95, yours may be slightly different depending on the year. either way you should be able to get the lock to disengage without removing the whole door panel.
this may be a stupid question as well, but have you tried unlocking it from the outside with the key? assuming you have keyless entry.. we really need more info about your jeep to help ya out here. :dunno: