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EXHIBIT 21

MONTHLY CERTIFICATEHOLDERS' STATEMENT

Discover Card Trust 1991 D

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CREDIT CARD

PASS-THROUGH CERTIFICATES

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Under the Pooling and Servicing Agreement dated as of Oct. 1, 1991 (the
"Agreement") by and among Greenwood Trust Company (the "Servicer"), Discover
Receivables Financing Group Inc and Wilmington Trust Company, as Trustee, the
Servicer is required to prepare certain information each month regarding current
distributions to Investor Certificateholders and the performance of the Trust
during the previous month. The information which is required to be prepared with
respect to the distribution of April 15, 1998, and with respect to the
performance of the Trust during the Due Period ended in March 31, 1998, is set
forth below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Class A Certificate. Certain other information is
presented based on the aggregate amounts for the Trust as a whole.

Information Regarding the Current Monthly Distribution (stated on the basis
of $1,000 original principal amount).

1. The total amount of the distribution to Class A Certificate-holders on
April 15, 1998, per $1,000 interest ........................................ $ 40.000000000

2. The total amount of the distribution to Class B Certificate-holders on
April 15, 1998, per $1,000 interest ........................................ $ 41.875000000

3. The amount of the distribution set forth in paragraph 1 above in respect of
interest on the Class A Certificates, per $1,000 interest .................. $ 40.000000000

4. The amount of the distribution set forth in paragraph 2 above in respect of
interest on the Class B Certificates, per $1,000 interest .................. $ 41.875000000

5. The amount of the distribution set forth in paragraph 1 above in respect of
principal on the Class A Certificates, per $1,000 interest ................. $ 0.000000000

6. The amount of the distribution set forth in paragraph 2 above in respect of
principal on the Class B Certificates, per $1,000 interest ................. $ 0.000000000

Information Regarding the Performance of the Trust.

1. Collections of Receivables.

(a) The aggregate amount of Finance Charge Collections processed during the
related Due Period ..................................................... $ 7,043,781.57

(b) The aggregate amount of Principal Collections processed during the
related Due Period ..................................................... $ 89,344,985.38

(c) The aggregate amount of Finance Charge Collections processed during the
related Due Period which was allocated in respect of the Investor
Certificates ........................................................... $ 5,622,346.45

(d) The aggregate amount of Principal Collections processed during the
related Due Period which was allocated in respect of the Investor
Certificates ........................................................... $ 72,208,617.19

(e) The aggregate amount of Finance Charge Collections processed during the
related Due Period which was allocated in respect of the Class A
Certificates ........................................................... $ 5,110,967.91

(f) The aggregate amount of Principal Collections processed during the
related Due Period which was allocated in respect of the Class A
Certificates ........................................................... $ 65,641,760.76

(g) The aggregate amount of Finance Charge Collections processed during the
related Due Period which was allocated in respect of the Class B
Certificates ........................................................... $ 511,378.54

(h) The aggregate amount of Principal Collections processed during the
related Due Period which was allocated in respect of the Class B
Certificates ........................................................... $ 6,566,856.43

(i) The aggregate amount of Finance Charge Collections processed during the
related Due Period which was allocated in respect of the Seller
Certificate ............................................................ $ 1,421,435.12

(j) The aggregate amount of Principal Collections processed during the
related Due Period which was allocated in respect of the Seller
Certificate ............................................................ $ 17,136,368.19

2. Principal Receivables in the Trust; Principal Funding Account.

(a) The aggregate amount of Principal Receivables in the Trust as of the end
of the Due Period ended in March 31, 1998 (which reflects the Principal
Receivables represented by the Seller Certificate and the Investor
Certificates) .......................................................... $ 472,202,831.80

(b) The amount of Principal Receivables in the Trust represented by the
Class A Certificates (the "Class A Interest") as of the Due Period Ended
in March 31, 1998 ...................................................... $ 174,999,999.98

(c) The amount of Principal Receivables in the Trust represented by the
Class B Certificates (the "Class B Interest") as of the Due Period Ended
in March 31, 1998 ...................................................... $ 35,000,000.00

(d) The Class A Interest and the Class B Interest set forth in paragraph 2
(b) and 2 (c) above as a percentage of the aggregate amount of Principal
Receivables set forth in paragraph 2 (a) above ......................... 44.47%

(e) The Class A Interest set forth in paragraph 2 (b) above as a percentage
of the aggregate amount of Principal Receivables set forth in paragraph
2 (a) above ............................................................ 37.06%

(f) The Class B Interest set forth in paragraph 2 (c) above as a percentage
of the aggregate amount of Principal Receivables set forth in paragraph
2 (a) above ............................................................ 7.41%

(g) The Aggregate Invested Amount as of the end of the current Distribution
Date ................................................................... $ 385,000,000.00

(h) The Invested Amount as of the end of the current Distribution Date with
respect to the Class A Certificates .................................... $ 350,000,000.00

(i) The Invested Amount as of the end of the current Distribution Date with
respect to the Class B Certificates .................................... $ 35,000,000.00

(j) The total amount to be deposited into the Principal Funding Account in
respect of Principal Collections on such Distribution Date ............. $ 29,166,666.67

(k) The amount of the deposit referred to in paragraph 2(j) which was
allocated in respect of the Class A Certificates ....................... $ 29,166,666.67

(l) The amount of the deposit referred to in paragraph 2(j) into the
Principal Funding Account on such Distribtion Date which was allocated
in respect of the Class B Certificates ................................. $ 0.00

(m) The total amount on deposit in the Principal Funding Account on such
Distribution Date (after giving effect to the deposit referred to in
paragraph 2(j) ......................................................... $ 175,000,000.02

(n) The total amount on deposit in the Principal Funding Account on such
Distribution Date for the benefit of the Class A Certificates (after
giving effect to the deposit referred to in paragraph 2(k) ............. $ 175,000,000.02

(o) The total amount on deposit in the Principal Funding Account on such
Distribution Date for the benefit of the Class B Certificates (after
giving effect to the deposit referred to in paragraph 2(l) ............. $ 0.00

(p) The total amount of Investment Income since the last Distribution Date
........................................................................ $ 679,856.36

(q) The total amount of Investment Income since the last Distribution Date
in respect of the Class A Certificates ................................. $ 679,856.36

(r) The total amount of Investment Income since the last Distribution Date
in respect of the Class B Certificates ................................. $ 0.00

(s) The Deficit Accumulation Amount (after giving effect to the deposit
referred in paragraph 2(j) ............................................. $ 0.00

3. Interest Funding Account.

(a) The total amount to be deposited into the Interest Funding Account in
respect of Certificate Interest on such Distribution Date .............. $ 2,577,604.16

(b) The amount of Certificate Interest to be deposited into the Interest
Funding Account on such Distribtion Date in respect of the Class A
Certificates ........................................................... $ 2,333,333.33

(c) The amount of Certificate Interest to be deposited into the Interest
Funding Account on such Distribtion Date in respect of the Class B
Certificates ........................................................... $ 244,270.83

(d) The total amount on deposit in the Interest Funding Account in respect
of Certificate Interest on such Distribution Date (after giving effect
to the deposit referred to in paragraph 3(a) ........................... $ 0.00

(e) The total amount of Certificate Interest on deposit in the Interest
Funding Account on such Distribution Date in respect of the Class A
Certificates (after giving effect to the deposit referred to in
paragraph 3(b) ......................................................... $ 0.00

(f) The total amount of Certificate Interest on deposit in the Interest
Funding Account on such Distribution Date in respect of the Class B
Certificates (after giving effect to the deposit referred to in
paragraph 3(c) ......................................................... $ 0.00

4. Investor Charged-Off Amount.

(a) The aggregate amount of Receivables charged-off as uncollectible
during the Due Period ended in March 31, 1998 allocable to the Investor
Certificates (the "Investor Charged-Off Amount") ....................... $ 1,145,160.40

(b) The aggregate amount of Receivables charged-off as Uncollectible
during the Due Period ended in March 31, 1998 allocable to the Class A
Certificates (the "Class A Charged-Off Amount") ........................ $ 977,508.36

(c) The sum of (i) the aggregate amount of Receivables charged-off as
uncollectible during the Due Period ended in March 31, 1998 allocable to
the Class B Certficates and (ii) the sum of (a) the positive
difference, if any, between the Class B Subordinated Payment and Class B
Finance Charge Collections (less Class B Excess Servicing) and (b) the
amount by which the Investor Interest for the Class B Certificates is
reduced pursuant to subsection 4.03(c) (i)(C)(the "Class B Charged-Off
Amount") ............................................................... $ 842,522.48

(d) The Cumulative Class A Charged-Off Amount on April 15, 1998 ............ $ 0.00

(e) The Cumulative Class B Charged-Off Amount on April 15, 1998 ............ $ 0.00

5. Investor losses; Reimbursement of Charge-Offs.

(a) The amount of Class A Investor Loss, as defined in Section 4.06 (b) of
the Agreement, during the Due Period ended in March 31, 1998 .......... $ 0.00

(b) The amount of Class B Investor Loss, as defined in Section 4.06 (b) of
the Agreement, during the Due Period ended in March 31, 1998 .......... $ 0.00

(c) The amount of Class A Investor Loss set forth in Paragraph 5 (a) above,
per $1,000 interest ( which will have the effect of reducing, pro rata,
the amount of each Class A Certficate-holder's investment) ............ $ 0.000000000

(d) The amount of Class B Investor Loss set forth in Paragraph 5 (b) above,
per $1,000 interest ( which will have the effect of reducing, pro rata,
the amount of each Class B Certficate-holder's investment) ............ $ 0.000000000

(e) The total amount reimbursed to the Trust in the current month pursuant
to Section 4.06 (c) of the Agreement, if any, in respect of Class A
Investor Losses in prior months ........................................ $ 0.00

(f) The total amount reimbursed to the Trust in the current month pursuant
to Section 4.06 (c) of the Agreement, if any, in respect of Class B
Investor Losses in prior months ........................................ $ 0.00

(g) The amount set forth in paragraph 5 (e) above, per $1,000 interest
(which will have the effect of increasing, pro rata, the amount of each
Class A Certificateholder's investment) ................................ $ 0.000000000

(h) The amount set forth in paragraph 5 (f) above, per $1,000 interest
(which will have the effect of increasing, pro rata, the amount of each
Class B Certificateholder's investment) ................................ $ 0.000000000

(i) The aggregate amount of Class A Investor Losses in the Trust as of the
end of the day on April 15, 1998 ....................................... $ 0.00

(j) The aggregate amount of Class B Investor Losses in the Trust as of the
end of the day on April 15, 1998 ....................................... $ 0.00

(k) The amount set forth in paragraph 5 (i) above, per $1,000 interest
(which will have had the effect of reducing, pro rata, the amount of
Class A Certificateholder's investment ) ............................... $ 0.000000000

(l) The amount set forth in paragraph 5 (j) above, per $1,000 interest
(which will have had the effect of reducing, pro rata, the amount of
Class B Certificateholder's investment ) ............................... $ 0.000000000

6. Investor Servicing Fee.

(a) The amount of the Class A Monthly Servicing Fee payable by the Trust to
the Servicer for the month of March 31, 1998 ........................... $ 340,313.90

(b) The amount of the Class B Monthly Servicing Fee payable by the Trust to
the Servicer for the month of March 31, 1998 ........................... $ 58,367.09

7. Available Subordinated Amount.

(a) The amount available to be applied pursuant to Sections 4.03 (c) (i) (B)
and (C) of the Agreement as of the end of the day on April 15, 1998 .... $ 35,000,000.00

(b) The amount set forth in paragraph 7(a) above as a percentage of the
Class A Interest. ...................................................... 20.00%

8. Available Class B Credit Enhancement Amount.

(a) The amount available to be drawn under the Class B Credit Enhancement
pursuant to Sections 4.03 (c) (i) (G) and (H) of the Agreement as of the
end of the day on April 15, 1998 ....................................... $ 26,950,000.00

(b) The amount set forth in paragraph 8 above as a percentage of the Class B
Interest. .............................................................. 77.00%

9. The Pool Factor.

The Pool Factor represents the ratio of the amount of the Class A Invested
amount as of the end of the day on April 15, 1998 to the amount of the Class
A Invested Amount as of the Closing Date. The amount of a Class A
Certificateholder's pro rata share of the Class A Invested Amount can be
determined by multiplying the original denomination of the Class A
Certificateholder's Certificate by the Pool Factor ......................... 1.00000000

The Pool Factor represents the ratio of the amount of the Class B Invested
amount as of the end of the day on April 15, 1998 to the amount of the Class
B Invested Amount as of the Closing Date. The amount of a Class B
Certificateholder's pro rata share of the Class B Invested Amount can be
determined by multiplying the original denomination of the Class B
Certificateholder's Certificate by the Pool Factor ......................... 1.00000000

10. The aggregate outstanding balance of Receivables that were delinquent by 30
to 59 days as of the close of business on the last day of the Due Period
related to such Distribution Date .......................................... $ 7,466,996.64

11. The aggregate outstanding balance of Receivables that were delinquent by 60
days or more as of the close of business on the last day of the Due Period
related to such Distribution Date .......................................... $ 14,640,134.44

Greenwood Trust Company as Servicer

By: ___________________________________
Title: Vice President, Director of
Accounting and Treasurer

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MONTHLY SERVICER CERTIFICATE

DISCOVER CARD TRUST 1991 D
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CREDIT CARD

PASS-THROUGH CERTIFICATES
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The undersigned, a duly authorized representative of Greenwood Trust
Company ("Greenwood"), as Servicer pursuant to the Pooling and Servicing
Agreement dated as of Oct. 1, 1991 (the "Pooling and Servicing Agreement" ) by
and among Greenwood, Discover Receivables Financing Group Inc and Wilmington
Trust Company, does hereby certify as follows:

1. Greenwood is Servicer under the Pooling and Servicing Agreement.

2. The undersigned is a Servicing Officer.

3. The aggregate amount of Collections processed during the related Due
Period was equal to .................................................... $ 96,388,766.95

4. The aggregate amount of Class A Principal Collections processed by the
Servicer during the related Due Period is equal to ..................... $ 65,641,760.76

5. The aggregate amount of the Class A Finance Charge Collections processed
by the Servicer during the related Due Period is equal to .............. $ 5,110,967.91

6. The sum of all amounts payable to the Class A Certificateholders on the
current Distribution Date is equal to .................................. $ 13,999,999.98

7. The aggregate amount of Class B Principal Collections processed by the
Servicer during the related Due Period is equal to ..................... $ 6,566,856.43

8. The aggregate amount of the Class B Finance Charge Collections processed
by the Servicer during the related Due Period is equal to .............. $ 511,378.54

9. The amount of drawings under the Class B Credit Enhancement required to
be made on the

succeeding Drawing Date pursuant to
(a) Section 4.03(c)(i)(G) is equal to................................... $ 0.00
(b) Section 4.03(c)(i)(H) is equal to................................... $ 0.00
(c) Section 4.05 is equal to............................................ $ 0.00

10. The sum of all amounts payable to the Class B Certificateholders on the
current Distribution Date is equal to .................................. $ 1,465,624.98

11. The total amount to be deposited in the Principal Funding Account on the
related Distribution Date is equal to .................................. $ 29,166,666.67

12. The total amount on deposit in the Principal Funding Account (after
giving effect to the deposit referred to in Item 11 above) will be equal
to ..................................................................... $ 175,000,000.02

13. The total amount to be deposited in the Interest Funding Account on the
related Distribution Date is equal to .................................. $ 2,577,604.16

14. The total amount on deposit in the Interest Funding Account (after
giving effect to the deposit referred to in Item 13 above) will be equal
to ..................................................................... $ 0.00

15. The Invested Amount as of the end of the current Distribution Date ..... $ 385,000,000.00

(a) for the Class A Certificateholders will be equal to ................ $ 350,000,000.00

(b) for the Class B Certificateholders will be equal to ................ $ 35,000,000.00

16. Attached hereto is a true copy of the statement required to be delivered
by the Servicer on the date of this Certificate to the Trustee pursuant
to section 5.02.

IN WITNESS WHEREOF, the undersigned has duly executed and delivered this
certificate this day of April 15, 1998

GREENWOOD TRUST COMPANY, as Servicer

By: ___________________________________
Title: Vice President, Director of
Accounting and Treasurer

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Greenwood Trust Company
Cash Collateral Account
Monthly Portfolio Status Report
Discover Card Trust 1991 D

Due Period Ending: 03/31/98

PORTFOLIO STATUS LOSSES & DELINQUENCIES

# of Accounts Dollars

Ending Total Outstanding 584,540 478,748,500.08

Total Principal Outstanding n/a 472,202,831.80

Total Finance Charge Outstanding n/a 6,545,668.28

Aggregate Invested Amount n/a 385,000,000.00

Aggregate Investor Interest n/a 209,999,999.98

Delinquencies (90 days or greater) 2,663 9,509,539.90
% of Ending Total Outstanding n/a 1.986333%

Investor Net Charge Offs n/a 1,145,160.40
Annualized % of Investor Interest n/a 5.745753%

Monthly Principal Payment Rate n/a 18.755485%
(Annualized % of Invested Amount)

PAYMENTS & YIELD

Principal Payments
(Allocable to Investor Certificates) 72,208,617.19

Finance Charges, Annual Fees & Late Fees
(Allocable to Investor Certificates) 5,622,346.45

Annualized Gross Yield to Investor 17.524197%
(Annualized % of Invested Amount)