Filed pursuant to
Rule 424(b)(5)
Registration No. 33-64574

                            CITICORP
                       U.S. $3,000,000,000
            Global Medium-Term Senior Notes, Series C
                       U.S. $1,000,000,000
         Global Medium-Term Subordinated Notes, Series C
        Due From 9 Months to 60 Years From Date of Issue

Pricing Supplement, dated October 28, 1994
     (To Prospectus Supplement, dated July 25, 1994;
     to Prospectus, dated July 25, 1994)

                      DESCRIPTION OF NOTES

     The terms of the Notes set forth in this Pricing Supplement
supplement and modify, to the extent applicable, the description of
general terms and provisions of Citicorp's Global Medium-Term
Senior Notes, Series C set forth in the accompanying Prospectus and
Prospectus Supplement.  Capitalized terms not defined herein shall
have the meanings assigned to such terms in the accompanying
Prospectus and Prospectus Supplement.



SUMMARY OF TERMS:
                           
Title of Notes:               8.11% Senior Notes Due November 4,
                              2004 (the "Notes").
Aggregate
  Principal Amount:           $30,000,000.00

Price to Public:              100%

Issue Date:                   November 4, 1994

Stated Maturity Date:         November 4, 2004
             
Interest Rate:                8.11%

Interest Payment Dates:       Semi-annually on the 4th of each May
                              and November, commencing on May 4,
                              1995, and ending on the Stated
                              Maturity Date.

Sinking Fund:                 None.

Put:                          Citicorp is obliged to repurchase
                              the Notes, at the option of the
                              Holder of the Note, on not more than
                              30 or less than 15 days' notice, on
                              November 6, 2000 (the "Repurchase
                              Date"), at a repurchase price of
                              100% of their principal amount plus
                              accrued and unpaid interest to the
                              Repurchase Date.

Redemption:                   The Notes are not subject to
                              redemption.

Selling Agent:                Lehman Brothers Inc.

Agent's Commission:           .500%