Filed pursuant to
                                                                  Rule 424(b)(2)
                                                      Registration Nos. 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  January 30, 1996
     (To Prospectus Supplement, dated August 7, 1995;
     to Prospectus, dated August 7, 1995)

                              DESCRIPTION OF NOTES

        The  terms of the  LIBOR  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:                   LIBOR  Senior Notes Due February 1, 2001
                                  (the "LIBOR Notes").

Aggregate
  Principal Amount:               $15,000,000.00.

Issue Date:                       February 1, 1996.

Stated Maturity:                  February 1, 2001.

Interest Rate Index:              Three Month LIBOR.

Spread:                           Plus 28.0 basis points.

Initial Interest Rate:            5.70578%.

Interest Rate:                    For each  Interest  Rate  Reset  Period,
                                  Three  Month  LIBOR  plus   0.280%,   as
                                  determined on the related LIBOR Interest
                                  Determination  Date  or,  in the case of
                                  the Initial  Interest  Rate,  the second
                                  Market Day preceding the Issue Date.

Maximum Interest Rate:            The Interest Rate is subject to a cap of
                                  9.00% per annum.

Interest Commencement Date:       February 1, 1996.


Interest Payment Dates:           Quarterly,  on the 1st day of  February,
                                  May, August and November, commencing May
                                  1, 1996, and at Stated Maturity.

Interest Rate Reset Period:       Quarterly.

Interest Reset Dates:             The 1st day of February, May, August and
                                  November.

LIBOR Interest
  Determination Dates:            Pertaining  to an  Interest  Reset Date,
                                  the  second  Market Day  preceding  such
                                  related Interest Reset Date.

Index Maturity:                   Three Months.

LIBOR Screen Reference:           Telerate Screen Page 3750.

Calculation Dates:                The related LIBOR Interest Determination
                                  Date.

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Redemption:                       The  LIBOR  Notes  are  not  subject  to
                                  redemption prior to Stated Maturity.

Sinking Fund:                     The LIBOR  Notes are not  subject to any
                                  sinking fund.

Regular Record Dates:             The date that is 15 calendar  days prior
                                  to the related Interest Payment Date.

Calculation Agent:                Citibank, N.A.

Selling Agent:                    Morgan, Stanley & Co. Incorporated.

Commission:                       .100%.

Price to Public:                  100%.

CUSIP Number:                     17303 LRF 0.