<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: December 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 (Commission (IRS Employer
of 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
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ITEM 5. OTHER EVENTS
The November 2000 monthly Certificateholder's Statements to
investors were distributed December 15, 2000.
ITEM 7 (c). EXHIBITS
The following are filed as exhibits to this Report under Exhibit
20:
1. November Performance Summary
2. Series 1996-1 Class A and Class B Certificateholder's
Statements for the month of November 2000.
3. Series 1996-2 Class A and Class B Certificateholder's
Statements for the month of November 2000.
4. Series 1996-3 Class A and Class B Certificateholder's
Statements for the month of November 2000.
5. Series 1997-1 Class A and Class B Certificateholder's
Statements for the month of November 2000.
6. Series 1997-2 Class A and Class B Certificateholder's
Statements for the month of November 2000.
7. Series 1998-1 Class A and Class B Certificateholder's
Statements for the month of November 2000.
8. Series 1998-3 Class A and Class B Certificateholder's
Statements for the month of November 2000.
9. Series 1998-4 Class A and Class B Certificateholder's
Statements for the month of November 2000.
10. Series 1999-1 Class A and Class B Certificateholdefor the
month of November 2000
11. Series 1999-2 Class A and Class B Certificateholdefor the
month of November 2000
12. Series 1999-3 Class A and Class B Certificateholdefor the
month of November 2000
13. Series 2000-1 Class A and Class B Certificateholder's
Statements for the month of November 2000
14. Series 2000-2 Class A and Class B Certificateholder's
Statements for the month of November 2000
15. Series 2000-3 Class A and Class B Certificateholder's
Statements for the month of November 2000
16. Series 2000-4 Class A and Class B Certificateholder's
Statements for the month of November 2000
17. Series 2000-5 Class A and Class B Certificateholder's
Statements for the month of November 2000
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<PAGE> 3
18. Trust Excess Spread Analysis
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 M. Willey
----------------------------
David M. Willey
Senior Vice President of Corporate
Financial Management
Date: December 15, 2000
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<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)
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<PAGE> 5
INDEX TO EXHIBITS
<TABLE>
<CAPTION>
SEQUENTIALLY
EXHIBIT NUMBERED
NUMBER EXHIBITS PAGE
------- -------- ------------
<S> <C> <C>
1 November Performance Summary 07
2 Series 1996-1 Class A and Class B Certificate-
holder's Statements for the month of November 2000 09
3 Series 1996-2 Class A and Class B Certificate-
holder's Statements for the month of November 2000 11
4 Series 1996-3 Class A and Class B Certificate-
holder's Statements for the month of November 2000 13
5 Series 1997-1 Class A and Class B Certificate-
holder's Statements for the month of November 2000 15
6 Series 1997-2 Class A and Class B Certificate-
holder's Statements for the month of November 2000 17
7 Series 1998-1 Class A and Class B Certificate-
holder's Statements for the month of November 2000 20
8 Series 1998-3 Class A and Class B Certificate-
holder's Statements for the month of November 2000 22
9 Series 1998-4 Class A and Class B Certificate-
holder's Statements for the month of November 2000 25
10 Series 1999-1 Class A and Class B Certificate-
holder's Statements for the month of November 2000 28
11 Series 1999-2 Class A and Class B Certificate-
holder's Statements for the month of November 2000 31
12 Series 1999-3 Class A and Class B Certificate-
holder's Statements for the month of November 2000 33
13 Series 2000-1 Class A and Class B Certificate-
holder's Statements for the month of November 2000 35
14 Series 2000-2 Class A and Class B Certificate-
</TABLE>
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<PAGE> 6
<TABLE>
<S> <C> <C>
holder's Statements for the month of November 2000 37
15 Series 2000-3 Class A and Class B Certificate-
holder's Statements for the month of November 2000 39
16 Series 2000-4 Class A and Class B Certificate-
holder's Statements for the month of November 2000 41
17 Series 2000-5 Class A and Class B Certificate-
holder's Statements for the month of November 2000 43
18 Trust Excess Spread Analysis 45
</TABLE>
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