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 (Date of earliest event reported) January 10, 1999
	

MBNA America Bank, National Association
(as Originator of the MBNA Master Credit Card Trust II)
(Exact name of registrant as specified in its charter)

on behalf of

MBNA Master Credit Card Trust II

				United States					
		333-62025					51-0331454		
(State or Other Jurisdiction of Incorporation)		(Commission File 
Number)		(IRS Employer 
Identificat
ion Number)



			Wilmington, Delaware				
	19884-0781		
(Address of Principal Executive Office)			       (Zip Code)
		

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


N/A
(Former Name or Former Address, if Changed Since Last Report)
INFORMATION TO BE INCLUDED IN THE REPORT

Item 1.	Not Applicable.

Item 2.	Not Applicable.

Item 3.	Not Applicable.

Item 4.	Not Applicable.

Item 5.	On January 10, 1999 the Pooling and Servicing Agreement for 
the MBNA Master Credit Card Trust II, dated as of August 4, 
1994 between MBNA America Bank, National Association, as 
Seller and Servicer, and the Bank of New York, as Trustee 
was amended by the Third Amendment to the Pooling and 
Servicing Agreement, dated as of January 10, 1999. The 
Third Amendment to the Pooling and Servicing Agreement is 
attached hereto as Exhibit 4.01.

Item 6.	Not Applicable.

Item 7.	Exhibits.

The following is filed as an Exhibit to this Report under Exhibit 4.01.

	Exhibit 4.01	Third Amendment to the Pooling and Servicing 
Agreement dated as of January 10, 1999.

Item 8.	Not Applicable.

Item 9.	Not Applicable.

SIGNATURES

				Pursuant to the requirements of the Securities 
Exchange Act of 1934, as amended, the registrant has duly caused this 
report to be signed on their behalf by the undersigned hereunto duly 
authorized.

MBNA America Bank, National 
Association,
on behalf of the MBNA 
Master Credit Card Trust II


By: 		/s/ Jerry M. 
Hamstead		
   Name:	Jerry M. Hamstead
   Title:	First Vice 
President


EXHIBIT INDEX


Exhibit			Description

Exhibit 4.01	Third Amendment to the Pooling and Servicing 
Agreement dated as of January 10, 1999.EXHIBIT 4.01

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