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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: October 10, 2001
                                        ----------------




                            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 52

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ITEM 5.          OTHER EVENTS
                 The September 2001 monthly Certificateholder's Statements to
                 investors were distributed October 10, 2001.


ITEM 7 (c).      EXHIBITS

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

                 1.    September performance Summary

                 2.    Series 1996-2 Class A and Class B Certificateholder's
                       Statements for the month of September 2001.

                 3.    Series 1996-3 Class A and Class B Certificateholder's
                       Statements for the month of September 2001.

                 4.    Series 1997-1 Class A and Class B Certificateholder's
                       Statements for the month of September 2001.

                 5.    Series 1997-2 Class A and Class B Certificateholder's
                       Statements for the month of September 2001.

                 6.    Series 1998-1 Class A and Class B Certificateholder's
                       Statements for the month of September 2001.

                 7.    Series 1998-4 Class A and Class B Certificateholder's
                       Statements for the month of September 2001.

                 8.    Series 1999-1 Class A and Class B Certificateholder's
                       Statements for the month of September 2001

                 9.    Series 1999-2 Class A and Class B Certificateholder's
                       Statements for the month of September 2001

                 10.   Series 1999-3 Class A and Class B Certificateholder's
                       Statements for the month of September 2001

                 11.   Series 2000-1 Class A and Class B Certificateholder's
                       Statements for the month of September 2001

                 12.   Series 2000-2 Class A and Class B Certificateholder's
                       Statements for the month of September 2001

                 13.   Series 2000-3 Class A and Class B Certificateholder's
                       Statements for the month of September 2001

                 14.   Series 2000-4 Class A and Class B Certificateholder's
                       Statements for the month of September 2001

                 15.   Series 2000-5 Class A and Class B Certificateholder's
                       Statements for the month of September 2001

                 16.   Series 2001-1 Class A and Class B Certificateholder's
                       Statements for the month of September 2001

                 17.   Series 2001-2 Class A and Class B Certificateholder's
                       Statements for the month of September 2001


                                                                    Page 2 of 52


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                 18.   Series 2001-3 Class A and Class B Certificateholder's
                       Statements for the month of September 2001

                 19.   Series 2001-4 Class A and Class B Certificateholder's
                       Statements for the month of September 2001

                 20.   Series 2001-5 Class A and Class B Certificateholder's
                       Statements for the month of September 2001

                 21.   Series 2001-6 Class A and Class B Certificateholder's
                       Statements for the month of September 2001

                 22.   Trust Excess Spread Analysis



                                    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:  October 10, 2001


                                                                    Page 3 of 52

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                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549








                            -------------------------




                                    EXHIBITS

                                       TO

                                   FORM 8-K/A








                            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             September performance Summary                              07


    2             Series 1996-2 Class A and Class B Certificate-
                  holder's Statements for the month of September 2001        09

    3             Series 1996-3 Class A and Class B Certificate-
                  holder's Statements for the month of September 2001        11

    4             Series 1997-1 Class A and Class B Certificate-
                  holder's Statements for the month of September 2001        13

    5             Series 1997-2 Class A and Class B Certificate-
                  holder's Statements for the month of September 2001        15

    6             Series 1998-1 Class A and Class B Certificate-
                  holder's Statements for the month of September 2001        18

    7             Series 1998-4 Class A and Class B Certificate-
                  holder's Statements for the month of September 2001        21

    8             Series 1999-1 Class A and Class B Certificate-
                  holder's Statements for the month of September 2001        24

    9             Series 1999-2 Class A and Class B Certificate-
                  holder's Statements for the month of September 2001        26

    10            Series 1999-3 Class A and Class B Certificate-
                  holder's Statements for the month of September 2001        28

    11            Series 2000-1 Class A and Class B Certificate-
                  holder's Statements for the month of September 2001        30

    12            Series 2000-2 Class A and Class B Certificate-
                  holder's Statements for the month of September 2001        32

    13            Series 2000-3 Class A and Class B Certificate-
                  holder's Statements for the month of September 2001        34



                                                                    Page 5 of 52


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    14            Series 2000-4 Class A and Class B Certificate-
                  holder's Statements for the month of September 2001        36

    15            Series 2000-5 Class A and Class B Certificate-
                  holder's Statements for the month of September 2001        38

    16            Series 2001-1 Class A and Class B Certificate-
                  holder's Statements for the month of September 2001        40

    17            Series 2001-2 Class A and Class B Certificate-
                  holder's Statements for the month of September 2001        42

    18            Series 2001-3 Class A and Class B Certificate-
                  holder's Statements for the month of September 2001        44

    19            Series 2001-4 Class A and Class B Certificate-
                  holder's Statements for the month of September 2001        46

    20            Series 2001-5 Class A and Class B Certificate-
                  holder's Statements for the month of September 2001        48

    21            Series 2001-6 Class A and Class B Certificate-
                  holder's Statements for the month of September 2001        50

    22            Trust Excess Spread Analysis                               52



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