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PRICING SUPPLEMENT NO. 195 DATED Filed Pursuant to
February 8, 1996 TO PROSPECTUS DATED Rule 424(b)(5)
March 29, 1994 AS AMENDED BY PROSPECTUS File No. 33-51877
DATED October 14, 1995
CMS ENERGY CORPORATION
General Term Notes (servicemark of J.W. Korth & Company), Series A
Due 9 Months to 25 Years from date of issue
Except as set forth herein, the General Term Notes (servicemark of
J.W. Korth & Company) offered hereby (the "Notes") have such terms as are
described in the accompanying Prospectus dated October 14, 1995.
Aggregate Principal Amount: $411,000.00
Original Issue Date (Settlement Date) February 13, 1996
Stated Maturity Date: December 15, 1998
Issue Price to Public: 100.00% of Principal Amount
Interest Rate: 6.000% Per Annum
Interest Payment Dates: June 15 and December 15 and
semi-annually thereafter
Commencing June 15, 1996
Survivor's Option: [ X ] Yes [ ] No
Optional Redemption: [ ] Yes [ X ] No
Agent Principal Amount of Notes
Solicited by Each Agent
Prudential Securities Incorporated $286,000.00
EVEREN Securities, Inc. $ 0.00
First of Michigan Corporation $ 15,000.00
Roney & Co. $ 60,000.00
J.W. Korth & Company $ 50,000.00
Total $411,000.00
Per Note
Sold by Agents
To Public Total
Issue Price: $1,000.00 $411,000.00
Agent's Discount or Commission: $ 5.00 $ 2,055.00
Maximum Dealer's Discount or
Selling Concession: $ 6.50 $ 2,671.50
Proceeds to the Company: $ 988.50 $406,273.50
CUSIP Number: 12589QJH0
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