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: 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 Page 1 of 37 2 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 Page 2 of 37 3 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 Page 3 of 37 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) Page 4 of 37 5 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 Page 5 of 37