SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

                     Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934

Date of Report (Date of earliest event reported)      March 26, 1999
                                                -------------------------------

                                 Citigroup Inc.
--------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)

         Delaware                    1-9924                   52-1568099
         --------                    ------                   ----------
      (State or other             (Commission               (IRS Employer
      jurisdiction of             File Number)              Identification No.)
      incorporation)

   153 East 53rd Street, New York, New York                    10043
--------------------------------------------------------------------------------
   (Address of principal executive offices)                  (Zip Code)

                                 (212) 559-1000
--------------------------------------------------------------------------------
              (Registrant's telephone number, including area code)
<PAGE>

                                 CITIGROUP INC.
                           Current Report on Form 8-K

Item 7. Financial Statements, Pro Forma Financial Information and Exhibits.

      Exhibits:

      Exhibit No. Description
      ----------- -----------

         1.01     Terms Agreement, dated March 26, 1999, among the Company and
                  Salomon Smith Barney Inc., ABN AMRO Incorporated, Bear,
                  Stearns & Co. Inc., Goldman, Sachs & Co., Merrill Lynch,
                  Pierce, Fenner & Smith Incorporated and NationsBanc Montgomery
                  Securities LLC, as Underwriters, relating to the offer and
                  sale of the Company's 6.20% Notes due March 15, 2009.

         1.02     Terms Agreement, dated March 26, 1999, among the Company and
                  Salomon Smith Barney Inc., ABN AMRO Incorporated, Barclays
                  Bank PLC, BBV Securities, Inc., Chase Securities Inc.,
                  Commerzbank Aktiengesellschaft, Credit Suisse First Boston
                  Corporation, Donaldson, Lufkin & Jenrette Securities
                  Corporation, First Chicago Capital Markets, Inc., First Union
                  Capital Markets Corp., Lehman Brothers Inc., Rabobank
                  International and Societe Generale, as Underwriters, relating
                  to the offer and sale of the Company's 5.80% Notes due March
                  15, 2004.

         4.01     Form of Note for the Company's 6.20% Notes due March 15, 2009.

         4.02     Form of Note for the Company's 5.80% Notes due March 15, 2004.


                                       2
<PAGE>

                                    SIGNATURE

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

Dated: March 30, 1999                            CITIGROUP INC.


                                                 By /s/ Firoz B. Tarapore
                                                    ----------------------------
                                                       Firoz B. Tarapore
                                                       Deputy Treasurer


                                       3
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{"company-data": {"conformed-name": "CITIGROUP INC", "cik": "0000831001", "assigned-sic": "6331", "irs-number": "521568099", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "001-09924", "film-number": "99578991"}, "business-address": {"street1": "153 EAST 53RD STREET", "street2": "CORPORATE LAW DEPARTMENT", "city": "NEW YORK", "state": "NY", "zip": "10043-", "phone": "(212)-559-1000"}, "mail-address": {"street1": "153 EAST 53RD STREET", "street2": "LEGAL DEPT 20TH FLOOR", "city": "NEW YORK", "state": "NY", "zip": "10043"}, "former-company": [{"former-conformed-name": "TRAVELERS GROUP INC", "date-changed": "19950519"}, {"former-conformed-name": "TRAVELERS INC", "date-changed": "19940103"}, {"former-conformed-name": "PRIMERICA CORP /NEW/", "date-changed": "19920703"}]}
SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

                     Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934

Date of Report (Date of earliest event reported)      March 26, 1999
                                                -------------------------------

                                 Citigroup Inc.
--------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)

         Delaware                    1-9924                   52-1568099
         --------                    ------                   ----------
      (State or other             (Commission               (IRS Employer
      jurisdiction of             File Number)              Identification No.)
      incorporation)

   153 East 53rd Street, New York, New York                    10043
--------------------------------------------------------------------------------
   (Address of principal executive offices)                  (Zip Code)

                                 (212) 559-1000
--------------------------------------------------------------------------------
              (Registrant's telephone number, including area code)
CITIGROUP INC.
                           Current Report on Form 8-K

Item 7. Financial Statements, Pro Forma Financial Information and Exhibits.

      Exhibits:

      Exhibit No. Description
      ----------- -----------

         1.01     Terms Agreement, dated March 26, 1999, among the Company and
                  Salomon Smith Barney Inc., ABN AMRO Incorporated, Bear,
                  Stearns & Co. Inc., Goldman, Sachs & Co., Merrill Lynch,
                  Pierce, Fenner & Smith Incorporated and NationsBanc Montgomery
                  Securities LLC, as Underwriters, relating to the offer and
                  sale of the Company's 6.20% Notes due March 15, 2009.

         1.02     Terms Agreement, dated March 26, 1999, among the Company and
                  Salomon Smith Barney Inc., ABN AMRO Incorporated, Barclays
                  Bank PLC, BBV Securities, Inc., Chase Securities Inc.,
                  Commerzbank Aktiengesellschaft, Credit Suisse First Boston
                  Corporation, Donaldson, Lufkin & Jenrette Securities
                  Corporation, First Chicago Capital Markets, Inc., First Union
                  Capital Markets Corp., Lehman Brothers Inc., Rabobank
                  International and Societe Generale, as Underwriters, relating
                  to the offer and sale of the Company's 5.80% Notes due March
                  15, 2004.

         4.01     Form of Note for the Company's 6.20% Notes due March 15, 2009.

         4.02     Form of Note for the Company's 5.80% Notes due March 15, 2004.

                                       2
SIGNATURE

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

Dated: March 30, 1999                            CITIGROUP INC.

                                                 By /s/ Firoz B. Tarapore
                                                    ----------------------------
                                                       Firoz B. Tarapore
                                                       Deputy Treasurer

                                       3