HORRIGAN AMERICAN INC
424B3, 1995-10-02
PERSONAL CREDIT INSTITUTIONS
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                                         Registration No. 33-58149
                                         Filed pursuant to Rule 424(b)(3)
                                         Supplement to prospectus dated 4-28-95
                                         Dates of Previous supplements  5-01-95
                                                                        6-01-95
                                                                        7-01-95
                                                                        8-01-95
                                                                        9-01-95

                           HORRIGAN AMERICAN, INC.


                       Supplement dated October 1, 1995
                                        ---------------
                       to Prospectus dated April 28, 1995.


         The rates of interest on 1995 Series 8, A, B and C Certificates
    issued from October 1, 1995 through October 31, 1995 will be as follows:
                ---------------         ----------------
       

               Series 8               8 years               7.25%
                                                            -----

               Series A               4 years               7.00%
                                                            -----

               Series B              30 months              6.80%
                                                            -----

               Series C               1 year                6.50%
                                                            -----

         The rate of interest payable from October 1, 1995 through
                                           ----------------
    October 31, 1995 on the Passbook Series Certificate is 4.20%.
    ----------------                                       -----



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