<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM THE CURRENT REPORT ON FORM 10-Q FOR THE THREE MONTH PERIOD ENDED MARCH 31,
1997 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS AND ACCOMPANYING DISCLOSURES.
</LEGEND>
<MULTIPLIER> 1,000,000
       
<S>                                         <C>
<PERIOD-TYPE>                               3-MOS
<FISCAL-YEAR-END>                           DEC-31-1997
<PERIOD-START>                              JAN-01-1997
<PERIOD-END>                                MAR-31-1997
<CASH>                                            6,574
<INT-BEARING-DEPOSITS>                           12,593
<FED-FUNDS-SOLD>                                 11,844<F1>
<TRADING-ASSETS>                                 33,196
<INVESTMENTS-HELD-FOR-SALE>                      30,608
<INVESTMENTS-CARRYING>                                0
<INVESTMENTS-MARKET>                                  0
<LOANS>                                         172,471
<ALLOWANCE>                                       5,766
<TOTAL-ASSETS>                                  290,354
<DEPOSITS>                                      188,848
<SHORT-TERM>                                     21,609<F2>
<LIABILITIES-OTHER>                               8,785
<LONG-TERM>                                      18,824
<COMMON>                                            506
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                       1,903
<OTHER-SE>                                       18,371
<TOTAL-LIABILITIES-AND-EQUITY>                  290,354
<INTEREST-LOAN>                                   4,554
<INTEREST-INVEST>                                   519
<INTEREST-OTHER>                                    784
<INTEREST-TOTAL>                                  5,857
<INTEREST-DEPOSIT>                                2,229
<INTEREST-EXPENSE>                                3,053
<INTEREST-INCOME-NET>                             2,804
<LOAN-LOSSES>                                       423
<SECURITIES-GAINS>                                  108
<EXPENSE-OTHER>                                   1,014
<INCOME-PRETAX>                                   1,604
<INCOME-PRE-EXTRAORDINARY>                          995
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                        995
<EPS-PRIMARY>                                      2.01
<EPS-DILUTED>                                      2.01
<YIELD-ACTUAL>                                     4.72<F3>
<LOANS-NON>                                       3,048<F4>
<LOANS-PAST>                                      1,094<F5>
<LOANS-TROUBLED>                                    296
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                  5,503
<CHARGE-OFFS>                                       602
<RECOVERIES>                                        204
<ALLOWANCE-CLOSE>                                 5,766<F6>
<ALLOWANCE-DOMESTIC>                                  0<F7>
<ALLOWANCE-FOREIGN>                                   0<F8>
<ALLOWANCE-UNALLOCATED>                               0<F9>
<FN>
<F1>  Includes Securities Purchased Under Resale Agreements.
<F2>  Purchased Funds and Other Borrowings.
<F3>  Taxable Equivalent Basis.
<F4>  Includes $929MM of cash-basis commercial loans and $2,119MM of consumer
      loans on which accrual of interest has been suspended.
<F5>  Accruing loans 90 or more days delinquent.
<F6>  Allowance activity for the First Quarter of 1997 includes $238MM of net
      transfers from the reserves to off-balance sheet credit exposures and
      foreign currency translation effects.
<F7>  No portion of Citicorp's credit loss allowance is specifically allocated
      to any individual loan or group of loans.
<F8>  See Footnote F7 above.
<F9>  See Footnote F7 above.
</FN>
        

</TABLE>