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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:     August 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                    333-17253                    51-0331454
- -----------------        -----------------------------       --------------
(State or other               (Commission File               (IRS Employer
 jurisdiction of                    Number)               Identification No.)
 incorporation)  


                              Wilmington, DE 19884-0781
- ------------------------------------------------------------------------------
                   (Address of principal executive office)



Registrant's telephone number, including area code  (800) 362-6255.
                                                    ---------------


Item 2.     ACQUISITION OR DISPOSITION OF ASSETS

 On July 2, 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. 13 of 
Receivables in Additional Accounts dated as of July 2, 1997, (the 
"Assignment").  The principal amount of the Receivables in the 
Additional Accounts on July 2, 1997, was $2,472,187,239.39.  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 is filed as an Exhibit to this Report under Exhibit 4: 

      4.1  Series 1997-F Supplement to the Pooling and Servicing Agreement, 
dated as of June 18, 1997, among MBNA America Bank, National Association, 
Seller and Servicer, and The Bank of New York, Trustee.

     The following are filed as Exhibits to this Report under Exhibit 20:

      20.1  Series 1994-A Certificateholders' Statement for the month ended 
July 31, 1997.

      20.2  Series 1994-B Certificateholders' Statement for the month ended 
July 31, 1997.

      20.3  Series 1994-C Certificateholders' Statement for the month ended 
July 31, 1997.

      20.4  Series 1994-D Certificateholders' Statement for the month ended 
July 31, 1997.

      20.5  Series 1995-A Certificateholders' Statement for the month ended 
July 31, 1997.

      20.6  Series 1995-B Certificateholders' Statement for the month ended 
July 31, 1997.

      20.7  Series 1995-C Certificateholders' Statement for the month ended 
July 31, 1997.

      20.8  Series 1995-D Certificateholders' Statement for the month ended 
July 31, 1997.

      20.9  Series 1995-E Certificateholders' Statement for the month ended 
July 31, 1997.

     20.10  Series 1995-F Certificateholders' Statement for the month ended 
July 31, 1997.

     20.11  Series 1995-I Certificateholders' Statement for the month ended 
July 31, 1997.

     20.12  Series 1995-J Certificateholders' Statement for the month ended 
July 31, 1997.

     20.13  Series 1996-A Certificateholders' Statement for the month ended 
July 31, 1997.

     20.14  Series 1996-B Certificateholders' Statement for the month ended 
July 31, 1997.

     20.15  Series 1996-C Certificateholders' Statement for the month ended 
July 31, 1997.

     20.16  Series 1996-D Certificateholders' Statement for the month ended 
July 31, 1997.

     20.17  Series 1996-E Certificateholders' Statement for the month ended 
July 31, 1997.

     20.18  Series 1996-G Certificateholders' Statement for the month ended 
July 31, 1997.

     20.19  Series 1996-H Certificateholders' Statement for the month ended 
July 31, 1997.

     20.20  Series 1996-J Certificateholders' Statement for the month ended 
July 31, 1997.

     20.21  Series 1996-K Certificateholders' Statement for the month ended 
July 31, 1997.

     20.22  Series 1996-L Certificateholders' Statement for the month ended 
July 31, 1997.

     20.23  Series 1996-M Certificateholders' Statement for the month ended 
July 31, 1997.

     20.24  Series 1997-B Certificateholders' Statement for the month ended 
July 31, 1997.

     20.25  Series 1997-C Certificateholders' Statement for the month ended 
July 31, 1997.

     20.26  Series 1997-E Certificateholders' Statement for the month ended 
July 31, 1997.

     20.27  Series 1997-F Certificateholders' Statement for the month ended 
July 31, 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 July 31, 
1997.

     99.2.  Series 1994-B Key Performance Factors for the month ended July 31, 
1997.

     99.3.  Series 1994-C Key Performance Factors for the month ended July 31, 
1997.

     99.4.  Series 1994-D Key Performance Factors for the month ended July 31, 
1997.

     99.5.  Series 1995-A Key Performance Factors for the month ended July 31, 
1997.

     99.6.  Series 1995-B Key Performance Factors for the month ended July 31, 
1997.

     99.7.  Series 1995-C Key Performance Factors for the month ended July 31, 
1997.

     99.8.  Series 1995-D Key Performance Factors for the month ended July 31, 
1997.

     99.9.  Series 1995-E Key Performance Factors for the month ended July 31, 
1997.

    99.10.  Series 1995-F Key Performance Factors for the month ended July 31, 
1997.

    99.11.  Series 1995-I Key Performance Factors for the month ended July 31, 
1997.

    99.12.  Series 1995-J Key Performance Factors for the month ended July 31, 
1997.

    99.13.  Series 1996-A Key Performance Factors for the month ended July 31, 
1997.

    99.14.  Series 1996-B Key Performance Factors for the month ended July 31, 
1997.

    99.15.  Series 1996-C Key Performance Factors for the month ended July 31, 
1997.

    99.16.  Series 1996-D Key Performance Factors for the month ended July 31, 
1997.

    99.17.  Series 1996-E Key Performance Factors for the month ended July 31, 
1997.

    99.18.  Series 1996-G Key Performance Factors for the month ended July 31, 
1997.

    99.19.  Series 1996-H Key Performance Factors for the month ended July 31, 
1997.

    99.20.  Series 1996-J Key Performance Factors for the month ended July 31, 
1997.

    99.21.  Series 1996-K Key Performance Factors for the month ended July 31, 
1997.

    99.22.  Series 1996-L Key Performance Factors for the month ended July 31, 
1997.

    99.23.  Series 1996-M Key Performance Factors for the month ended July 31, 
1997.

    99.24.  Series 1997-B Key Performance Factors for the month ended July 31, 
1997.

    99.25.  Series 1997-C Key Performance Factors for the month ended July 31, 
1997.

    99.26.  Series 1997-E Key Performance Factors for the month ended July 31, 
1997.

    99.27.  Series 1997-F Key Performance Factors for the month ended July 31, 
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:     August 14, 1997


                               MBNA AMERICA BANK, NATIONAL ASSOCIATION



                                By:         Marguerite M. Boylan
                                   ----------------------------------
                                Name:       Marguerite M. Boylan
                                Title:      Vice President