How do i repair oil leak

1995 Tracker would have a timing BELT. Normal oil leak points (in order) on a Suzuki G16 engine are the distributor base (rear of motor), valve cover (top of motor), front main seal (behind lower timing belt cog) cam seal (behind the upper timing belt cog) and rear main seal. (behind the flywheel). I'd suspect the front main seal or cam seal. I use foot power to help find oil leaks.

Are you sure it's not leaking from up higher like where the valve cover sits right behind the cam gears? Have you pulled the timing cover to see if this is the case?

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That seal is called the front main seal. You will need to remove the crankshaft pulley to replace it. The seal is fairly inexpensive and the repair shouldn't take very long. Make sure to inspect the surface of the pully for any wear. Some tmes the seal will wear a groove into the pulley and you will need a repair sleeve, also failry inexpensive.

could be front main seal or oil pan

Valve Covers, Head Gaskets, Oil Pan Seal and a number of other spots. You'll need to clean the motor with Gunk Engine cleaner and then look for the largest build ups of oil and crud to get a better idea where it is.

yes, I just changed one of these recently. Had to take both front and bottom off engine. Very difficult repair, as there are no good jack points for the engine when you have all the motor mounts off.
Here is procedure I would recommend.
Remove starter and engine to transmission brackets front and back.
Remove transmission starter gear cover.
drain oil and remove oil pan.
put a block under the crankshaft and jack to release weight on motor mount.
remove front motor mount (by serpentine belt)
remove belt.
remove compressor and bracket.
remove crank pulley and vib damper.
remove timing cover. mark timing belt with direction of travel
loosen tensioner gear.
remove timing belt.
remove crankshaft timing gear and key.
remove seal and oil pump housing.
clean gasket surfaces.
replace seal and reverse procedure.

If you have questions, let me know.

if the front seal leak you can just replace the seal, if the timing cover is leaking then you will have to remove the cover. while you are in there, I suggest that you go ahead to replace the timing chain ( timing set ), seal and a new cover. parts cost less than 100 dollars.

oil pan gasket is on the bottom, the one behind the crank pulley is the front crank seal

If the lower fan belt pulley you are referring to is the vibration damper or harmonic balancer, then that is the pulley that is attached to the engine crankshaft, and that pulley is what turns all the other pulleys on the engine. There is a seal on the shaft behind the pulley -the front main seal. This is what may be leaking oil, and if that is the case , the seal needs to be replaced.
If it is the front main seal, and you are going to tackle the repair, you need to get a Repair Manual for your vehicle and follow the directions for the fix.

On a 22RE the oil pump is on the timing cover behind the crank pulley/harmonic balancer,it has the crank timing pointer built onto it,generally they don't leak around the pump seal but as Monster80 pointed out they leak from the front main seal wich is installed on the front of the oil pump,pretty common for the 22R/RE to leak around the timing cover gaskets or out the bolt holes on the timing cover also,usually due to uneven tourqe on the bolts,to check the front main seal you need to look at the the crank from the underside right after you've shut the motor down,if the seals bad you'll see oil starting to form a drop on the backside of the pulley or the front of the oil pump housing.