Pricing Supplement No. 0183 Dated December 4, 1997      Rule 424(b)(2) 
(To Prospectus dated July 12, 1996 and                  File number:  333-7229
Prospectus Supplement dated November 08, 1996)             


Senior Medium-Term Notes, Series F                           
Due Nine Months or More From Date of Issue                   

Principal Amount:                                     $   60,000,000.00
Issue Price:                            100.00000 %       60,000,000.00
Commission or Discount:                   0.00000 %                0.00
Proceeds to Company:                     100.00000%    $  60,000,000.00


Agent:                              NationsBanc Montgomery Securities, Inc., 
                                    as Agent                            


Original Issue Date:                December 18, 1997    

Stated Maturity Date:               December 16, 1999    

Cusip #:                            63858R-ET-4    

Form:                               Book entry only         

Interest Rate:                      Floating                     


Base rate:                          LIBOR Telerate Page 3750           
Index maturity:                     90 days                    

Spread:                             + 1.0 bps        


Initial Interest Rate:              To be determined on December 15, 1997

Interest Reset Period:              Quarterly, commencing on March 18, 1998

Interest Reset Dates:               March 18, 1998             
                                    June 17, 1998             
                                    September 17, 1998             
                                    December 17, 1998          
                                    March 17, 1999             
                                    June 17, 1999                 
                                    September 17, 1999         

         
Interest Determination Dates:       December 15, 1997             
                                    March 16, 1998               
                                    June 15, 1998                
                                    September 15, 1998          
                                    December 15, 1998              
                                    March 15, 1999              
                                    June 15, 1999              
                                    September 15, 1999         



Interest Payment Dates:             March 18, 1998         
                                    June 17, 1998          
                                    September 17, 1998     
                                    December 17, 1998         
                                    March 17, 1999         
                                    June 17, 1999           
                                    September 17, 1999     
                                    December 16, 1999           


May the Notes be redeemed by the company prior to maturity?              No

May the notes be repaid prior to maturity at the option of the holder?   No
Discount Note?                                                           No