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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: March 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 February 2000 monthly Certificateholder's Statements to
                investors were distributed March 15, 2000.

ITEM 7 (c).     EXHIBITS

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

                1.  February Performance Summary

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

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

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

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

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

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

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

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

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

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

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

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

                14. Series 1999-3 Class A and Class B Certificateholder's
                    Statements for the month of February 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:  March 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             February Performance Summary                               07

    2             Series 1995-1 Class A and Class B Certificate-
                  holder's Statements for the month of February 2000         09

    3             Series 1995-3 Class A and Class B Certificate-
                  holder's Statements for the month of February 2000         11

    4             Series 1996-1 Class A and Class B Certificate-
                  holder's Statements for the month of February 2000         13

    5             Series 1996-2 Class A and Class B Certificate-
                  holder's Statements for the month of February 2000         15

    6             Series 1996-3 Class A and Class B Certificate-
                  holder's Statements for the month of February 2000         17

    7             Series 1997-1 Class A and Class B Certificate-
                  holder's Statements for the month of February 2000         19

    8             Series 1997-2 Class A and Class B Certificate-
                  holder's Statements for the month of February 2000         21

    9             Series 1998-1 Class A and Class B Certificate-
                  holder's Statements for the month of February 2000         24

    10            Series 1998-3 Class A and Class B Certificate-
                  holder's Statements for the month of February 2000         27

    11            Series 1998-4 Class A and Class B Certificate-
                  holder's Statements for the month of February 2000         30

    12            Series 1999-1 Class A and Class B Certificate-
                  holder's Statements for the month of February 2000         32

    13            Series 1999-2 Class A and Class B Certificate-
                  holder's Statements for the month of February 2000         34

    14            Series 1999-3 Class A and Class B Certificate-



                                                                    Page 5 of 38


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                  holder's Statements for the month of February 2000         36

    15            Trust Excess Spread Analysis                               38








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