Pricing Supplement No. 0081 Dated July  6, 1995          Rule 424(b)(2)
(To Prospectus dated February 24, 1995  and              File No. 33-57533
Prospectus Supplement dated February 28, 1995 )

Senior Medium-Term Notes, Series D
Due Nine Months or More from Date of Issue

Principal Amount:                          $  45,000,000.00
Issue Price:                  100.000%     $  45,000,000.00
Commission or Discount:          .143%     $      64,350.00
Proceeds to Company:           99.857%     $  44,935,650.00

Agent:                        Salomon Brothers, as Agent

Original Issue Date:          July 11, 1995
Stated Maturity Date:         July 12, 1999

CUSIP#:                       63858R-CA-7
Form:                         Book-entry

Interest Rate:                Floating

Base Rate:                    LIBOR Telerate Page 3750
Index Maturity:               90 days
Spread:                       +15.0  bps

Initial Interest Rate:        To be determined on July 7, 1995

Interest Reset Period:        Quarterly, commencing 10/12/95

Interest Reset Dates:         12th of January, April, July, &
                              October

Interest Determination Dates: 2nd London Banking Day preceding
                              Interest Reset Date

Interest Payment Dates:       12th of January, April, July, &
                              October


May the Notes be redeemed prior to maturity?      No
May the Notes be repaid prior to maturity?        No
Original Issue Discount Note?                     No