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                       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: February 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


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ITEM 5.       OTHER EVENTS

              The January 2000 monthly Certificateholder's Statements to
              investors were distributed February 15, 2000.

ITEM 7 (c).   EXHIBITS

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

              1.     January Performance Summary

              2.     Series 1995-1 Class A and Class B Certificateholder's
                     Statements for the month of January 2000.

              3.     Series 1995-3 Class A and Class B Certificateholder's
                     Statements for the month of January 2000.

              4.     Series 1996-1 Class A and Class B Certificateholder's
                     Statements for the month of January 2000.

              5.     Series 1996-2 Class A and Class B Certificateholder's
                     Statements for the month of January 2000.

              6.     Series 1996-3 Class A and Class B Certificateholder's
                     Statements for the month of January 2000.

              7.     Series 1997-1 Class A and Class B Certificateholder's
                     Statements for the month of January 2000.

              8.     Series 1997-2 Class A and Class B Certificateholder's
                     Statements for the month of January 2000.

              9.     Series 1998-1 Class A and Class B Certificateholder's
                     Statements for the month of January 2000.

              10.    Series 1998-3 Class A and Class B Certificateholder's
                     Statements for the month of January 2000.

              11.    Series 1998-4 Class A and Class B Certificateholder's
                     Statements for the month of January 2000.

              12.    Series 1999-1 Class A and Class B Certificateholder's
                     Statements for the month of January 2000

              13.    Series 1999-2 Class A and Class B Certificateholder's
                     Statements for the month of January 2000

              14.    Series 1999-3 Class A and Class B Certificateholder's
                     Statements for the month of January 2000

              15.    Trust Excess Spread Analysis



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                                    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:  February 15, 2000



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                       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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                                INDEX TO EXHIBITS



                                                                           SEQUENTIALLY
EXHIBIT                                                                    NUMBERED
NUMBER      EXHIBITS                                                       PAGE
- -------     --------                                                       ------------
                                                                        
      1     January Performance Summary                                          06

      2     Series 1995-1 Class A and Class B Certificate-
            holder's Statements for the month of January 2000                    08

      3     Series 1995-3 Class A and Class B Certificate-
            holder's Statements for the month of January 2000                    10

      4     Series 1996-1 Class A and Class B Certificate-
            holder's Statements for the month of January 2000                    12

      5     Series 1996-2 Class A and Class B Certificate-
            holder's Statements for the month of January 2000                    14

      6     Series 1996-3 Class A and Class B Certificate-
            holder's Statements for the month of January 2000                    16

      7     Series 1997-1 Class A and Class B Certificate-
            holder's Statements for the month of January 2000                    18

      8     Series 1997-2 Class A and Class B Certificate-
            holder's Statements for the month of January 2000                    20

      9     Series 1998-1 Class A and Class B Certificate-
            holder's Statements for the month of January 2000                    23

      10    Series 1998-3 Class A and Class B Certificate-
            holder's Statements for the month of January 2000                    26

      11    Series 1998-4 Class A and Class B Certificate-
            holder's Statements for the month of January 2000                    29

      12    Series 1999-1 Class A and Class B Certificate-
            holder's Statements for the month of January 2000                    31

      13    Series 1999-2 Class A and Class B Certificate-
            holder's Statements for the month of January 2000                    33

      14    Series 1999-3 Class A and Class B Certificate-
            holder's Statements for the month of January 2000                    35

      15    Trust Excess Spread Analysis                                         37





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