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                                   FORM 8-K 
 
                      SECURITIES AND EXCHANGE COMMISSION 
 
                            Washington, D.C. 20529 
 
                                CURRENT REPORT 
 
 
 
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934. 
 
Date of Report:     March 14, 1997 
 
 
                   MBNA AMERICA BANK, NATIONAL ASSOCIATION 
                               on behalf of the 
                      MBNA MASTER CREDIT CARD TRUST II 
            (Exact name of registrant as specified in its charter) 
 
 
 
  United States                    33-99324                    51- 
0331454 
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- --- 
(State or other               (Commission File               (IRS  
Employer 
 jurisdiction of                    Number)               Identification  
No.) 
 incorporation)   
 
 
                              
                              Wilmington, DE 19884-0781 
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- ------ 
                   (Address of principal executive office) 
 
 
 
Registrant's telephone number, including area code  (800) 362-6255. 
                                                    --------------- 
 
 
 
Item 2.     ACQUISITION OR DISPOSITION OF ASSETS 
 
     On February 4, 1997, MBNA America Bank, National Association (the  
"Seller") conveyed to the Trust all of the receivables (the  
"Receivables") in certain additional credit card accounts (the  
"Additional Accounts") of the Seller pursuant to an Assignment No. 11 of  
Receivables in Additional Accounts dated as of February 4, 1997, (the  
"Assignment").  The principal amount of the Receivables in the  
Additional Accounts on February 4, 1997, was $1,681,384,270.89.  The  
Seller conveyed the Receivables in the Additional Accounts to the Trust  
pursuant to subsection 2.06(b) of the Pooling and Servicing Agreement. 
 
 
Item 5.     OTHER EVENTS 
 
 
 
     The following are filed as Exhibits to this Report under Exhibit  
20: 
 
      20.1  Series 1994-A Certificateholders' Statement for the month  
ended February 28, 1997. 
 
      20.2  Series 1994-B Certificateholders' Statement for the month  
ended February 28, 1997. 
 
      20.3  Series 1994-C Certificateholders' Statement for the month  
ended February 28, 1997. 
 
      20.4  Series 1994-D Certificateholders' Statement for the month  
ended February 28, 1997. 
 
      20.5  Series 1995-A Certificateholders' Statement for the month  
ended February 28, 1997. 
 
      20.6  Series 1995-B Certificateholders' Statement for the month  
ended February 28, 1997. 
 
      20.7  Series 1995-C Certificateholders' Statement for the month  
ended February 28, 1997. 
 
      20.8  Series 1995-D Certificateholders' Statement for the month  
ended February 28, 1997. 
 
      20.9  Series 1995-E Certificateholders' Statement for the month  
ended February 28, 1997. 
 
     20.10  Series 1995-F Certificateholders' Statement for the month  
ended February 28, 1997. 
 
     20.11  Series 1995-I Certificateholders' Statement for the month  
ended February 28, 1997. 
 
     20.12  Series 1995-J Certificateholders' Statement for the month  
ended February 28, 1997. 
 
     20.13  Series 1996-A Certificateholders' Statement for the month  
ended February 28, 1997. 
 
     20.14  Series 1996-B Certificateholders' Statement for the month  
ended February 28, 1997. 
 
     20.15  Series 1996-C Certificateholders' Statement for the month  
ended February 28, 1997. 
 
     20.16  Series 1996-D Certificateholders' Statement for the month  
ended February 28, 1997. 
 
     20.17  Series 1996-E Certificateholders' Statement for the month  
ended February 28, 1997. 
 
     20.18  Series 1996-G Certificateholders' Statement for the month  
ended February 28, 1997. 
 
     20.19  Series 1996-H Certificateholders' Statement for the month  
ended February 28, 1997. 
 
     20.20  Series 1996-J Certificateholders' Statement for the month  
ended February 28, 1997. 
 
     20.21  Series 1996-K Certificateholders' Statement for the month  
ended February 28, 1997. 
 
     20.22  Series 1996-L Certificateholders' Statement for the month  
ended February 28, 1997. 
 
     20.23  Series 1996-M Certificateholders' Statement for the month  
ended February 28, 1997. 
 
 
 
Item 5.     OTHER EVENTS 
 
     The following are filed as Exhibits to this Report under Exhibit  
99:  
 
     99.1.  Series 1994-A Key Performance Factors for the month ended  
February 28, 1997. 
 
     99.2.  Series 1994-B Key Performance Factors for the month ended  
February 28, 1997. 
 
     99.3.  Series 1994-C Key Performance Factors for the month ended  
February 28, 1997. 
 
     99.4.  Series 1994-D Key Performance Factors for the month ended  
February 28, 1997. 
 
     99.5.  Series 1995-A Key Performance Factors for the month ended  
February 28, 1997. 
 
     99.6.  Series 1995-B Key Performance Factors for the month ended  
February 28, 1997. 
 
     99.7.  Series 1995-C Key Performance Factors for the month ended  
February 28, 1997. 
 
     99.8.  Series 1995-D Key Performance Factors for the month ended  
February 28, 1997. 
 
     99.9.  Series 1995-E Key Performance Factors for the month ended  
February 28, 1997. 
 
    99.10.  Series 1995-F Key Performance Factors for the month ended  
February 28, 1997. 
 
    99.11.  Series 1995-I Key Performance Factors for the month ended  
February 28, 1997. 
 
    99.12.  Series 1995-J Key Performance Factors for the month ended  
February 28, 1997. 
 
    99.13.  Series 1996-A Key Performance Factors for the month ended  
February 28, 1997. 
 
    99.14.  Series 1996-B Key Performance Factors for the month ended  
February 28, 1997. 
 
    99.15.  Series 1996-C Key Performance Factors for the month ended  
February 28, 1997. 
 
    99.16.  Series 1996-D Key Performance Factors for the month ended  
February 28, 1997. 
 
    99.17.  Series 1996-E Key Performance Factors for the month ended  
February 28, 1997. 
 
    99.18.  Series 1996-G Key Performance Factors for the month ended  
February 28, 1997. 
 
    99.19.  Series 1996-H Key Performance Factors for the month ended  
February 28, 1997. 
 
    99.20.  Series 1996-J Key Performance Factors for the month ended  
February 28, 1997. 
 
    99.21.  Series 1996-K Key Performance Factors for the month ended  
February 28, 1997. 
 
    99.22.  Series 1996-L Key Performance Factors for the month ended  
February 28, 1997. 
 
    99.23.  Series 1996-M Key Performance Factors for the month ended  
February 28, 1997. 
 
 
                                  SIGNATURES 
 
 
      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 thereunto duly authorized. 
 
 
Dated:     March 14, 1997 
 
 
                               MBNA AMERICA BANK, NATIONAL ASSOCIATION 
 
 
 
                                By:         Marguerite M. Boylan 
                                   ---------------------------------- 
                                Name:       Marguerite M. Boylan 
                                Title:      Vice President