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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
 WarXpidv2WGcV1u3vAh360wOEAeRbF8yRA17+kbSFootF9thNRs34ji8c0LaA+Be
 q5+ogrJLpJ6fRbcnFoVqPQ==

<SEC-DOCUMENT>0000004457-97-000002.txt : 19970117
<SEC-HEADER>0000004457-97-000002.hdr.sgml : 19970117
ACCESSION NUMBER:		0000004457-97-000002
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		19970116
SROS:			NASD
SROS:			NYSE

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AMERCO /NV/
		CENTRAL INDEX KEY:			0000004457
		STANDARD INDUSTRIAL CLASSIFICATION:	SERVICES-AUTO RENTAL & LEASING (NO DRIVERS) [7510]
		IRS NUMBER:				880106815
		STATE OF INCORPORATION:			NV
		FISCAL YEAR END:			0331

	FILING VALUES:
		FORM TYPE:		424B2
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-10119
		FILM NUMBER:		97506797

	BUSINESS ADDRESS:	
		STREET 1:		1325 AIRMOTIVE WY STE 100
		CITY:			RENO
		STATE:			NV
		ZIP:			89502
		BUSINESS PHONE:		7027860488

	MAIL ADDRESS:	
		STREET 1:		1325 AIRMOTIVE WAY
		STREET 2:		SUITE 100
		CITY:			RENO
		STATE:			NV
		ZIP:			89502

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	AMERCO
		DATE OF NAME CHANGE:	19770926
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B2
<SEQUENCE>1
<TEXT>

                                                  RULE 424(B) (2)
                             REGISTRATION STATEMENT NO. 333-10119
                                                                 
PRICING SUPPLEMENT NO. 23, DATED January 15, 1997,
                       --        ----------
TO PROSPECTUS, DATED September 10, 1996 AND PROSPECTUS
SUPPLEMENT, DATED September 10, 1996.
                           AMERCO
                     MEDIUM-TERM NOTES,
                        (FIXED RATE)
                              
     DUE FROM NINE MONTHS TO 30 YEARS FROM DATE OF ISSUE
                              
INTEREST PAYABLE: January 15 AND           FORM:
                  ----------
July 15 AND AT MATURITY                    X  Book Entry    Certificated
- -------                                    -              -

ISSUE PRICE: 100.00%                       AGENT: NATIONSBANC
CAPITAL

AGENT'S COMMISSION: $198,000.00            CURRENCY OR CURRENCY UNIT:

ORIGINAL ISSUE DATE: 01/21/97
                                             X    U.S. Dollars (USD or U.S. $)
INTEREST RATE PER ANNUM: 7.23%               -

COUPON DAY COUNT: 30/360

STATED MATURITY: 01/21/27                  PUT DATES: 01/21/05, 01/21/09,
                                                      01/23/17
REPURCHASE PRICE: N/A
  (For Discount Securities):               INTEREST RESET DATES:  N/A

REDEMPTION INFORMATION: N/A
                                           RESET PERIOD: N/A
REPAYMENT INFORMATION: N/A
                                           INTEREST DETERMINATION DATE: N/A
CUSIP NO.: 02359CAX4

OTHER PROVISIONS: N/A


The aggregate principal amount of this offering is U.S.
$33,000,000 (which, if the securities offered hereby are
denominated in a currency or currency unit other than U.S.
dollars, is the equivalent, in the currency or currency units set
forth herein, of the principal amount set forth herein at the
Exchange Rate set forth herein) and relates only to Pricing
Supplement No. 21.  Debt Securities, including Medium-Term Notes,
               --
may be issued by the Company in the aggregate principal amount of
up to U.S. $600,000,000 or the equivalent in foreign currency
units.  To date, including this offering, an aggregate of U.S.
$385,500,000 or the equivalent in foreign currency or foreign
currency units of Medium-Term Notes, and all other Debt
Securities, has been issued.

TYPE OF SALE:                     IF PRINCIPAL TRANSACTION,
REOFFERING AT:
        X  As Agent                     varying prices related to
        -                           -   prevailing market prices at the
           As Principal                 time of resale
        -                               fixed public offering price of    %
                                    -   of Principal Amount            --


</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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