<PAGE> 1
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
----------------------
FORM 8-K
Current Report
Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934
Date of Report: June 15, 2000
-------------
CAPITAL ONE MASTER TRUST
CAPITAL ONE BANK
(Exact name of registrant as specified in its charter)
Virginia 0-25762 54-1719855
--------------------------------- ---------------- ------------------
(State or other jurisdiction of (Commission (IRS Employer
incorporation) File Number) Identification No.)
11013 West Broad Street Road, Glen Allen, Virginia 23060
-------------------------------------------------- -----------
(Address of principal executive offices) (Zip Code)
(Registrant's telephone number, including area code):
(804) 967-1000
(Former name or former address, if changed since last report):
Not Applicable
Page 1 of 40
<PAGE> 2
ITEM 5. OTHER EVENTS
The May 2000 monthly Certificateholder's Statements to investors
were distributed June 15, 2000.
ITEM 7 (c). EXHIBITS
The following are filed as exhibits to this Report under Exhibit 20:
1. May Performance Summary
2. Series 1995-1 Class A and Class B Certificateholder's Statements
for the month of May 2000.
3. Series 1995-3 Class A and Class B Certificateholder's Statements
for the month of May 2000.
4. Series 1996-1 Class A and Class B Certificateholder's Statements
for the month of May 2000.
5. Series 1996-2 Class A and Class B Certificateholder's Statements
for the month of May 2000.
6. Series 1996-3 Class A and Class B Certificateholder's Statements
for the month of May 2000.
7. Series 1997-1 Class A and Class B Certificateholder's Statements
for the month of May 2000.
8. Series 1997-2 Class A and Class B Certificateholder's Statements
for the month of May 2000.
9. Series 1998-1 Class A and Class B Certificateholder's Statements
for the month of May 2000.
10. Series 1998-3 Class A and Class B Certificateholder's Statements
for the month of May 2000.
11. Series 1998-4 Class A and Class B Certificateholder's Statements
for the month of May 2000.
12. Series 1999-1 Class A and Class B Certificateholder's Statements
for the month of May 2000
13. Series 1999-2 Class A and Class B Certificateholder's Statements
for the month of May 2000
14. Series 1999-3 Class A and Class B Certificateholder's Statements
for the month of May 2000
15. Series 2000-1 Class A and Class B Certificateholder's Statements
for the month of May 2000
16. Trust Excess Spread Analysis
Page 2 of 40
<PAGE> 3
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned there-unto duly authorized.
CAPITAL ONE MASTER TRUST
By: CAPITAL ONE BANK
Servicer
By: /s/ David Willey
----------------------------------
David M. Willey
Senior Vice President of Corporate
Financial Management
Date: June 15, 2000
Page 3 of 40
<PAGE> 4
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
-----------------
EXHIBITS
TO
FORM 8-K
CAPITAL ONE MASTER TRUST
CAPITAL ONE BANK
(Exact name of registrant as specified in its charter)
Page 4 of 40
<PAGE> 5
INDEX TO EXHIBITS
<TABLE>
<CAPTION>
SEQUENTIALLY
EXHIBIT NUMBERED
NUMBER EXHIBITS PAGE
------ -------- ------------
<S> <C> <C>
1 May Performance Summary 07
2 Series 1995-1 Class A and Class B Certificate-
holder's Statements for the month of May 2000 09
3 Series 1995-3 Class A and Class B Certificate-
holder's Statements for the month of May 2000 11
4 Series 1996-1 Class A and Class B Certificate-
holder's Statements for the month of May 2000 13
5 Series 1996-2 Class A and Class B Certificate-
holder's Statements for the month of May 2000 15
6 Series 1996-3 Class A and Class B Certificate-
holder's Statements for the month of May 2000 17
7 Series 1997-1 Class A and Class B Certificate-
holder's Statements for the month of May 2000 19
8 Series 1997-2 Class A and Class B Certificate-
holder's Statements for the month of May 2000 21
9 Series 1998-1 Class A and Class B Certificate-
holder's Statements for the month of May 2000 24
10 Series 1998-3 Class A and Class B Certificate-
holder's Statements for the month of May 2000 27
11 Series 1998-4 Class A and Class B Certificate-
holder's Statements for the month of May 2000 30
12 Series 1999-1 Class A and Class B Certificate-
holder's Statements for the month of May 2000 32
13 Series 1999-2 Class A and Class B Certificate-
holder's Statements for the month of May 2000 34
14 Series 1999-3 Class A and Class B Certificate-
</TABLE>
Page 5 of 40
<PAGE> 6
<TABLE>
<S> <C> <C>
holder's Statements for the month of May 2000 36
15 Series 2000-1 Class A and Class B Certificate-
holder's Statements for the month of May 2000 38
16 Trust Excess Spread Analysis 40
</TABLE>
Page 6 of 40
