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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: August 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 42




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ITEM 5.             OTHER EVENTS
                    The July  2000  monthly  Certificateholder's  Statements  to
                    investors were distributed August 15, 2000.



ITEM 7 (c).                 EXHIBITS
                            --------
                            The  following  are filed as exhibits  to this Report  under Exhibit 20:
                         
                            1.  July Performance Summary
                            2.  Series 1995-1 Class A and Class B Certificateholder's Statements
                                  for the month of July 2000.
                            3.  Series 1995-3 Class A and Class B Certificateholder's Statements
                                  for the month of July 2000.
                            4.  Series 1996-1 Class A and Class B Certificateholder's Statements
                                  for the month of July 2000.
                            5.  Series 1996-2 Class A and Class B Certificateholder's Statements
                                  for the month of July 2000.
                            6.  Series 1996-3 Class A and Class B Certificateholder's Statements
                                  for the month of July 2000.
                            7.  Series 1997-1 Class A and Class B Certificateholder's Statements
                                  for the month of July 2000.
                            8.  Series 1997-2 Class A and Class B Certificateholder's Statements
                                  for the month of July 2000.
                            9.  Series 1998-1 Class A and Class B Certificateholder's Statements
                                  for the month of July 2000.
                            10. Series 1998-3 Class A and Class B Certificateholder's Statements
                                  for the month of July 2000.
                            11. Series 1998-4 Class A and Class B Certificateholder's Statements
                                  for the month of July 2000.
                            12. Series 1999-1 Class A and Class B Certificateholder's Statements
                                  for the month of July 2000
                            13. Series 1999-2 Class A and Class B Certificateholder's Statements
                                  for the month of July 2000
                            14. Series 1999-3 Class A and Class B Certificateholder's Statements
                                  for the month of July 2000
                            15. Series 2000-1 Class A and Class B Certificateholder's Statements
                                  for the month of July 2000
                            16. Series 2000-2 Class A and Class B Certificateholder's Statements
                                  for the month of July 2000
                            17. 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 M. Willey
                                              ----------------------------------
                                              David M. Willey
                                              Senior Vice President of Corporate
                                              Financial Management
Date:  August 15, 2000

                                                                    Page 3 of 42
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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)



                                                                    Page 4 of 42
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                                INDEX TO EXHIBITS


                                                                                      SEQUENTIALLY
EXHIBIT                                                                               NUMBERED
NUMBER                EXHIBITS                                                        PAGE
- -------               --------                                                        --------------

                                                                                
     1                July Performance Summary                                            07

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

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

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

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

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

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

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

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

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

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

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

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

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


                                                                    Page 5 of 42

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                      holder's Statements for the month of July 2000                      36

     15               Series 2000-1 Class A and Class B Certificate-
                      holder's Statements for the month of July 2000                      38

     16               Series 2000-2 Class A and Class B Certificate-
                      holder's Statements for the month of July 2000                      40

     17               Trust Excess Spread Analysis                                        42

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