Filed pursuant to
Rule 424(b)(2)
Registration No. 33-59791


                                    CITICORP
                               U.S. $7,000,000,000
                    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 December 4, 1995
      (To Prospectus Supplement, dated August 7, 1995;
      to Prospectus, dated August 7, 1995)

                              DESCRIPTION OF NOTES

      The terms of the Subordinated  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 Subordinated 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.

      Interest  rates  offered by Citicorp  with respect to the Notes may differ
depending  upon,  among other things,  the aggregate  principal  amount of Notes
purchased in any single transaction.


 
 
SUMMARY OF TERMS: 
                            

Title of Notes:               7.00%  Subordinated  Fixed-Rate Notes Due December
                              15, 2010 (the "Notes").
Aggregate
Principal Amount:             $25,000,000.00.

Price to Public:              100%.

Issue Date:                   December 15, 1995.

Stated Maturity:              December 15, 2010.

Interest Rate:                7.00% per annum.

Interest Payment Dates:       Semi-annually  on June 15th and  December  15th,
                            commencing on June 15, 1996, and at Stated Maturity.

Regular Record Dates:         The  first day of the month in which each Interest
                              Payment Date occurs.

Sinking Fund:                 None.

Redemption:                   The Notes are subject to redemption, in whole but 
                              not in part, at the option of Citicorp, on not 
                              more than 60 or less than 30 days' notice, on any 
                              Interest Payment Date occurring on or after 
                              December 15, 1998, at a redemption price of  00% 
                              of  their  principal amount plus accrued and 
                              unpaid   interest  to  the redemption date.

Selling Agent:                Smith Barney Inc.

Agent's Commission:           1.40%.

Minimum Denomination:         $1,000.