Dedicated to Professor Piotr Pragacz on the occasion of his 60th birthday.Abstract. We study universal polynomials of characteristic classes associated to the Aclassification of map-germs (C 2 , 0) → (C n , 0) (n = 2, 3), that enable us to systematically generalize enumerative formulae in classical algebraic geometry of projective surfaces in 3 and 4-spaces.