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                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549
                                   FORM 10-K

(MARK ONE)
[X]     ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
                        SECURITIES EXCHANGE ACT OF 1934

                                       OR

[ ]     TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
                        SECURITIES EXCHANGE ACT OF 1934

                 For the fiscal year ended December 31, 1997

                       Commission File Number 0-19752

                         DISCOVER CARD TRUST 1991 F
           (Exact name of registrant as specified in its charter)


          DELAWARE                                     NOT APPLICABLE
    (State of Organization)                ( I.R.S. Employer Identification No.)

c/o Discover Receivables Financing Group, Inc.
12 Read's Way
New Castle, Delaware                                           19720
(Address of principal executive offices)                     (Zip Code)

Registrant's telephone number, including area code:  (302) 323-7184

Securities registered pursuant to Section 12(b) of the Act:


<TABLE>
<CAPTION>
Title of each class                              Name of each exchange on which
to be so registered                              each class is to be registered
-------------------                              ------------------------------
       <S>                                               <C>
       None                                              Not Applicable
</TABLE>

Securities registered pursuant to Section 12(g) of the Act:

              7.85% Class A Credit Card Pass-Through Certificates
              8.35% Class B Credit Card Pass-Through Certificates
                                (Title of Class)

Registrant (1) has filed all reports required to be filed by Section 13 or
15(d) of the Securities Exchange Act of 1934 during the preceding 12 months and
(2) has been subject to such filing requirements for the past 90 days.

                                Yes  X    No
                                    ---      ---

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405
of Regulation S-K is not contained herein, and will not be contained, to the
best of registrant's knowledge, in definitive proxy or information statements
incorporated by reference in Part III of this Form 10-K or any amendment to
this Form 10-K.                                                             [X]


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                                     PART I

ITEM 1.   BUSINESS

     The Discover Card Trust 1991 F (the "Trust") was formed pursuant to a
Pooling and Servicing Agreement dated as of November 1, 1991 (the "Pooling and
Servicing Agreement") among Greenwood Trust Company ("Greenwood") as Servicer,
Discover Receivables Financing Group, Inc. ("DRFG") as Seller, and Wilmington
Trust Company as Trustee (the "Trustee").  The Trust's only business is to act
as a passive conduit to permit investment in a pool of retail consumer
receivables.

ITEM 2.   PROPERTIES

     The property of the Trust includes a portfolio of receivables (the
"Receivables") arising under selected Discover Card accounts (the "Accounts")
originated by Greenwood, all monies due or to become due in payment of the
Receivables, all proceeds of the Receivables, all monies on deposit in certain
accounts and a certain limited credit enhancement for the exclusive direct
benefit of holders of 8.35% Class B Credit Card Pass-Through Certificates of
the Trust (the "Class B Certificates").  At or prior to the time of the Trust's
formation, Sears, Roebuck and Co. ("Sears") sold or contributed to DRFG,
Receivables existing under the Accounts as of November 1, 1991 and theretofore
acquired by Sears from Greenwood; SCFC Receivables Corp. ("SRC") sold or
contributed to DRFG Receivables existing under the Accounts as of November 1,
1991 and theretofore acquired by SRC from Greenwood; and Greenwood sold to
DRFG, all other Receivables existing under the Accounts as of November 1, 1991
and all Receivables existing under the Accounts from time to time thereafter.
DRFG, in turn, transferred to the Trust all Receivables existing under the
Accounts as of November 1, 1991 and all Receivables arising under the Accounts
from time to time thereafter until the termination of the Trust.  Information
related to the performance of the Receivables during 1997 is set forth in the
ANNUAL AGGREGATE REPORT filed as Exhibit 99(A) to this Annual Report on Form
10-K.

ITEM 3.   LEGAL PROCEEDINGS

     Greenwood is involved from time to time in various legal proceedings that
arise in the ordinary course of its business.  Greenwood does not believe that
the resolution of any of these proceedings will have a material adverse effect
on Greenwood's financial condition or on the Receivables.  There can be no
assurance, however, regarding any of these effects.

ITEM 4.   SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

     None


                                    PART II

ITEM 5.   MARKET FOR REGISTRANT'S COMMON EQUITY AND RELATED STOCKHOLDER MATTERS

     The 7.85% Class A Credit Card Pass-Through Certificates (the "Class A
Certificates") and the Class B Certificates are held and delivered in
book-entry form through the


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facilities of The Depository Trust Company ("DTC"), a "clearing agency"
registered pursuant to the provisions of Section 17A of the Securities Exchange
Act of 1934, as amended.  The definitive Class A Certificates and Class B
Certificates are held by Cede & Co., the nominee of DTC.

ITEM 9.   CHANGES IN AND DISAGREEMENT WITH ACCOUNTANTS ON ACCOUNTING AND
          FINANCIAL DISCLOSURE

     None


                                    PART III

ITEM 12.   SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT

     As of March 17, 1998, 100% of the Class A Certificates and the Class B
Certificates was held in the nominee name Cede & Co. for beneficial owners.

     As of March 17, 1998, Greenwood and DRFG, as tenants-in-common, held 100%
of the Seller Certificate, which represented beneficial ownership of a residual
interest in the assets of the Trust as provided in the Pooling and Servicing
Agreement.

ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

     None


                                    PART IV

ITEM 14.   EXHIBITS, FINANCIAL STATEMENT SCHEDULES, AND REPORTS ON FORM 8-K

     (a) Exhibits:

     99. (A) 1997 ANNUAL AGGREGATE REPORT prepared by the Servicer.

         (B) ANNUAL INDEPENDENT AUDITOR'S REPORT pursuant to Section 3.06
             of the Pooling and Servicing Agreement.

     (b) Reports on Form 8-K:

      Current reports on Form 8-K are filed on or about the Distribution Date
      each month (typically the 15th of the month).  The reports include as an
      exhibit, the MONTHLY INVESTOR CERTIFICATEHOLDERS' STATEMENT.

      Current Reports on Form 8-K were filed on January 15, 1997, February 18,
      1997, March 17, 1997, April 15, 1997, May 15, 1997, June 16, 1997, July
      15, 1997, August 15, 1997, September 15, 1997, October 15, 1997, November
      17, 1997, December 15, 1997, January 15, 1998, February 17, 1998 and
      March 12, 1998.





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                                   SIGNATURES

     Pursuant to the requirements of Section 13 of the Securities Exchange Act
of 1934, the Registrant has duly caused this report to be signed on its behalf
by the undersigned, thereunto duly authorized.

                            Discover Card Trust 1991 F
                            (Registrant)

                            By:  Discover Receivables Financing Group, Inc.
                            (Originator of the Trust)

Dated: March 30, 1998       By:  /s/  Richard W. York
                            Title:  Vice President



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                                 EXHIBIT INDEX

EXHIBIT NO.


     99. (A)  1997 ANNUAL AGGREGATE REPORT prepared by the Servicer.

         (B)  ANNUAL INDEPENDENT AUDITOR'S REPORT pursuant to Section 3.06 of
              the Pooling and Servicing Agreement.





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