<DOCUMENT>
<TYPE>EX-3.81
<SEQUENCE>80
<FILENAME>p68936exv3w81.txt
<DESCRIPTION>EXHIBIT 3.81
<TEXT>
<PAGE>

                                                                    EXHIBIT 3.81

                               STATE OF ILLINOIS

                                   OFFICE OF
                             THE SECRETARY OF STATE
                                     [LOGO]

WHEREAS, ARTICLES OF INCORPORATION OF
                          U-HAUL CO. OF ILLINOIS, INC.
INCORPORATED UNDER THE LAWS OF THE STATE OF ILLINOIS HAVE BEEN FILED IN THE
OFFICE OF THE SECRETARY OF STATE AS PROVIDED BY THE BUSINESS CORPORATION ACT OF
ILLINOIS, IN FORCE JULY 1, A.D. 1984.

Now Therefore, I, Jim Edgar, Secretary of State of the State of Illinois, by
virtue of the powers vested in me by law, do hereby issue this certificate and
attach hereto a copy of the Application of the aforesaid corporation.

                  IN TESTIMONY WHEREOF, I, hereto set my hand and cause to be
                  affixed the Great Seal  of the State of Illinois, at the City
                  of Springfield, this 15th day of November AD. 1990 and of the
                  Independence of the United States the two hundred and 15th.

                                                         /s/  Jim Edgar
                                                        ------------------------
                                                         SECRETARY OF STATE

<PAGE>

[ILLEGIBLE]

TO JIM EDGAR, Secretary of State

I/We, the incorporator(s), being one or more natural persons of the age of
twenty-one years or more or a corporation for the purpose of forming a
corporation under "The Business Corporation Act" of the State of Illinois, do
hereby adopt the following Articles of Incorporation:

ARTICLE ONE       The name of the corporation is: U-Haul Co. of Illinois, Inc.

ARTICLE TWO       The name and address of the initial registered agent and
                  registered office are:
                  Registered Agent  C.T. Corporation System
                                  ---------------------------------------
                                  First Name   Middle Name    Last Name
                  Registered Office  208     S. LaSalle Street
                                  ---------------------------------------
                                  Number   Street   (Do not use P.O. Box)
                                   Chicago, IL 60604
                                  ---------------------------------------
                                   City      Zip Code   County
ARTICLE THREE     The duration of the corporation is [X] perpetual OR __________
                  years.
ARTICLE FOUR      The purposes for which the corporation is organized are:

                        The rental of trucks and trailers

ARTICLE FIVE      Paragraph 1: The class, number of shares, the par value, if
                  any, of each class which the corporation is authorized to
                  issue, the number the corporation proposes to issue without
                  further report to the Secretary of State, and the
                  consideration (expressed in dollars ) to be received by the
                  corporation therefor, are:

<TABLE>
<CAPTION>
                    Par Value    Number of shares   Number of shares     Total consideration
 Class     Series   per share      authorized         to be issued     to be received therefor
-------   -------   ----------   ----------------   ----------------   -----------------------
<S>       <C>       <C>          <C>                <C>                <C>
COMMON     None     $    10.00              5,000             10,000   $           10,000.00
-------   -------   ----------   ----------------   ----------------   ---------------------
=======   =======   ==========   ================   ================   =====================
                   [ILLEGIBLE] (Use [ILLEGIBLE] if no Par Value) Total $           10,000.00
</TABLE>

                  Paragraph 2: The preferences, qualifications, limitations,
                  restrictions and the special or relative rights in respect of
                  the shares of each class are:

                                      None

ARTICLE SIX       The corporation will not commence business until at lease one
                  thousand dollars has been received as consideration for the
                  issuance of shares.

<PAGE>

ARTICLE SEVEN    [ILLEGIBLE]
ARTICLE EIGHT    (Complete EITHER A or B)

         [X]      A. All the property of the corporation is to be located in
                  this State and [ILLEGIBLE] business is to be transacted at or
                  from places of business in this State, or the incorporator(s)
                  elect to pay the initial franchise tax on the basis of the
                  entire consideration to be received for the issuance of
                  shares.

         [ ]      B. Paragraph 1: It is estimated that the value of all property
                  to be owned by the corporation for the following year
                  wherever located will be     $____________________

                     Paragraph 2: It is estimated that the value of the property
                  to be located within the State of Illinois during the
                  following year will be:      $____________________

                     Paragraph 3: It is estimated that the gross amount of
                  business which will be transacted by the corporation during
                  the following year will be   $____________________

                     Paragraph 4: It is estimated that the gross amount of
                  business which will be transacted at or from places of
                  business in the State of Illinois during the following year
                  will be                      $____________________

I/WE the incorporator(s) declare that I/we have examined the foregoing Articles
of Incorporation and that the statements contained therein are, to the best of
my/our knowledge and belief, true, correct and complete. Executed this 19th day
of October, 1990.

(Signatures must be in ink. Carbon copy, xerox or rubber stamp signatures are
not acceptable.)

NOTE:    If a corporation acts as incorporator the name of the corporation and
the state of incorporation shall be shown and the execution must be by its
President or Vice-President and verified by him, and the corporate seal shall be
affixed and attested by its Secretary or an Assistant Secretary.

       Signature and Names                        Post Office Address

1.    /s/ John A. Lorentz                        1. 2721 N. Central Avenue
     ---------------------                          ----------------------------
     Signature                                      Street
                                                    Phoenix, Arizona 85004
     John A. Lorentz                                ----------------------------
     ---------------------                          City/Town    Sate     Zip
     Name (please print)

2.                                                 2.
     ---------------------                          ----------------------------
     Signature                                      Street

     ---------------------                          ----------------------------
     Name (please print)                            City/Town  State     Zip

3.                                                3.
     ---------------------                          ----------------------------
     Signature                                       Street

     ---------------------                          ---------------------------
     Name (please print)                            City/Town  State     Zip


<PAGE>

                               STATE OF ILLINOIS

                                   OFFICE OF
                             THE SECRETARY OF STATE
                                     [LOGO]


WHEREAS, ARTICLES OF MERGER OF
                          U-HAUL CO. OF ILLINOIS, INC.
INCORPORATED UNDER THE LAWS OF THE STATE OF ILLINOIS HAVE BEEN FILED IN THE
OFFICE OF THE SECRETARY OF STATE AS PROVIDED BY THE BUSINESS CORPORATION ACT OF
ILLINOIS, IN FORCE JULY 1, A.D. 1984.

Now Therefore, I, George H. Ryan, Secretary of State of the State of Illinois,
by virtue of the powers vested in me by law, do hereby issue this certificate
and attach hereto a copy of the Application of the aforesaid corporation.

                  IN TESTIMONY WHEREOF, I hereto set my hand and cause to be
                  affixed the Great Seal of the State of Illinois, at the City
                  of Spring field, this 21st day of February A.D. 1991 and of
   [SEAL]         the Independence of the United States the [ILLIGIBLE] hundred
                  and 15th.

                                                          /s/ George H. Ryan
                                                          -------------------
                                                          SECRETARY OF STATE

<PAGE>

                       PLAN/AGREEMENT/ARTICLES OF MERGER

         This PLAN/AGREEMENT/ARTICLES OF MERGER dated this 19th day of January,
1991, entered into by U-Haul Co. of Illinois, Inc., a Illinois corporation, the
surviving corporation and Tap-A-Lite, Inc., U-Haul Co. of Chicago Metroplex and
U-Haul Redistribution Center, Inc. all Illinois corporations, and the absorbed
Corporations, and together referred to as the Constituent Corporations hereby
witnesseth that:

         The respective Boards of Directors and the Sole Shareholder by
resolution have determined it to be advisable that the Absorbed Corporation be
merged into the Surviving Corporation under the terms and conditions hereinafter
set forth in accordance with the applicable provisions of the General
Corporation Law of the State of Illinois which laws permit such mergers.

         NOW THEREFORE, the parties hereto do agree as follows:

                                        I

         The Articles of Incorporation of the Surviving Corporation shall
continue to be its Articles of Incorporation, unless altered or amended below,
following the effective date of the merger.

                                       II

         The executed PLAN/AGREEMENT/ARTICLES OF MERGER is on file at the
Surviving Corporation's principal office. The location of that office is John A.
Lorentz, 2721 N. Central Avenue, Phoenix, Arizona 85004.

                                       III

         The provisions for handling the shares of stock of the Constituent
Corporations are as follows :

                           (1)      All issued and outstanding shares of stock
                                    of the Absorbed Corporation shall be
                                    cancelled.

                           (2)      On the effective date of the merger and when
                                    the aforementioned cancellation has been
                                    effected, the outstanding shares of stock of
                                    the Surviving Corporation shall be deemed
                                    for all corporate purposes to evidence the
                                    ownership of the Surviving Corporation.

<PAGE>

                                       IV

         The number of shares outstanding and the number of shares entitled to
vote upon such PLAN/AGREEMENT/ARTICLES OF MERGER, and the number of shares voted
for and against such PLAN/AGREEMENT/ARTICLES OF MERGER as to each corporation
was as follows:

<TABLE>
<CAPTION>
                                                          NUMBER OF
                                           NUMBER OF        SHARES     NUMBER    NUMBER
           COMPANY                          SHARES         ENTITLED     VOTED     VOTED
            NAME                          OUTSTANDING      TO VOTE       FOR     AGAINST
-----------------------------             -----------    ------------   ------   -------
<S>                                       <C>            <C>           <C>       <C>
U-HAUL CO. OF ILLINOIS, INC.                    1,000           1,000    1,000       -0-

TAP-A-LITE,                                    15,000          15,000   15,000       -0-

U-HAUL CO. OF CHICAGO                             500             500      500       -0-
METROPLEX

U-HAUL REDISTRIBUTION CENTER,                     100             100      100       -0-
INC.
</TABLE>

                                       V

         The Constituent Corporations shall take or cause to be taken all action
or do or cause to be done, all things necessary, proper or advisable under the
laws of the State of Illinois to consummate and make effective this merger,
subject, however to the appropriate vote or consent to the stockholders of the
Constituent Corporation in accordance with the requirements of the State of
Illinois.

                                       VI

         The Surviving Corporation hereby irrevocable appoints C.T. Corporation
System, as its agent to accept service of process in any suit or other
proceeding and to enforce against the surviving Corporation any obligation of
any Constituent Domestic Corporation or enforce the rights of a dissenting
shareholder of any Constituent Domestic Corporation. A copy of any such process
may be mailed to John A. Lorentz, P.O. Box 21502, Phoenix, Arizona 85036.

<PAGE>

                                      VII

         The Surviving Corporation shall pay all expenses of accomplishing the
merger, and assumes and responsibility for all tax liabilities of the Absorbed
Corporation.

                                      VIII

         The effective date of the merger shall be January 1, 1991, for
         accounting purposes only.

                       Surviving Corporation :  U-HAUL CO. ILLINOIS,
                                                INC., a Illinois
                                                Corporation

                       By: /s/ John A. Lorentz
                           --------------------------------------------
                            John A. Lorentz, President

Verified

By: /s/ Gary V. Klinefelter
    ------------------------------
    Gary V. Klinefelter, Secretary

                       Absorbed Corporations :        TAP-A-LITE, INC.
                                                      U-HAUL CO. OF CHICAGO
                                                      METROPLEX
                                                      U-HAUL REDISTRIBUTION
                                                      CENTER, INC.
                                                      All Illinois Corps.

                      By: /s/ John A. Lorentz
                          -----------------------------------------
                             John A. Lorentz, President

Verified

By: /s/ Gary V. Klinefelter
    -------------------------------------
      Gary V. Klinefelter, Secretary

<PAGE>

STATE OF ARIZONA

COUNTY OF MARICOPA

         On this 19th day of January, 1991, before me, the undersigned Notary
Public, personally appeared John A. Lorentz, known to me to be the President of
U-Haul Co. of Illinois, Inc., a Illinois Corporation, that he is the person who
executed this instrument on behalf of said corporation, and acknowledged to me
that such corporation executed the same.

                                                      /s/ Blanche I. Passolt
                                                     ---------------------------
(NOTARY SEAL)                                             NOTARY PUBLIC

STATE OF ARIZONA

COUNTY OF MARICOPA

         On this 19th day of January, 1991 before me, the undersigned Notary
Public, personally appeared John A. Lorentz known to me to be the President of
Tap-A-Lite, Inc., U-Haul Co. of Chicago Metroplex and U-Haul Redistribution
Center, Inc., all Illinois Corporations, that he is the person who executed this
instrument on behalf of said corporation, and acknowledged to me that such
corporation executed the same.

(NOTARY SEAL)                                         /s/ Blanche I. Passolt
                                                     ---------------------------
                                                          NOTARY PUBLIC


</TEXT>
</DOCUMENT>
