1


                              MONTHLY STATEMENT
                           CAPITAL ONE MASTER TRUST
                                SERIES 2000-3

     Pursuant to the Master Pooling and Servicing Agreement dated as of
September 30, 1993 (hereinafter as such agreement may have been or may be from
time to time, supplemented, amended or otherwise modified, the "Pooling and
Servicing Agreement"), between Capital One Bank (as successor to Signet
Bank/Virginia), and The Bank of New York, as trustee (the "Trustee"), Capital
One as Servicer is required to prepare certain information each month
regarding current distributions to Certificateholders and the performance of
the Capital One Master Trust (the "Trust") during the previous month. The
information which is required to be prepared with respect to the Distribution
Date of October 15, 2001, and with respect to the performance of the Trust
during the month September, 2001 is set forth below. Certain of the
information is presented on the basis of an original principal amount of
$1,000 per investor Certificate (a "Certificate"). Certain other information
is presented based on the aggregate amounts for the Trust as a whole.
Capitalized terms used in this Certificate have their respective meanings set
forth in the Pooling and Servicing Agreement.


                                                                                                              
A)  Information Regarding Distributions to the Class A Certificateholders
(Stated on the Basis of $1,000 Original Principal Amount)

1)     The total amount of the distribution to Class A Certificateholders on October 15, 2001
       per $1,000 Original Principal Amount                                                                             2.8602777778
                                                                                                                 -------------------

2)     The amount of the distribution set forth in paragraph 1 above in respect of interest
       on the Class A Certificates, per $1,000 Original Principal Amount                                                2.8602777778
                                                                                                                 -------------------

3)     The amount of the distribution set forth in paragraph 1 above in respect of principal
       of the Class A Certificates, per $1,000 Original Principal Amount                                                0.0000000000
                                                                                                                 -------------------

B)  Class A Investor Charge Off's and Reimbursement of Charge Off's

1)     The amount of Class A Investor Charge Off's                                                                      0.0000000000
                                                                                                                 -------------------

2)     The amount of Class A Investor Charge Off's set forth in paragraph 1 above, per $1,000
       Original Principal Amount                                                                                        0.0000000000
                                                                                                                 -------------------


3)     The total amount reimbursed to the Trust in respect of Class A Investor Charge Off's                             0.0000000000
                                                                                                                 -------------------

4)     The amount set forth in paragraph 3 above, per $1,000 Original Principal
       Amount (which will have the effect of increasing, pro rata, the amount of
       each Series 2000-3 Investor Certificateholder's
       Investment)                                                                                                      0.0000000000
                                                                                                                 -------------------

5)     The amount, if any, by which the outstanding principal balance of the Class A Certificates
       exceeds the Class A Invested Amount after giving effect to all transactions on such Distribution Date            0.0000000000
                                                                                                                 -------------------



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C)  Information Regarding Distributions to the Class B Certificateholders
(Stated on the Basis of $1,000 Original Principal Amount)

1)     The total amount of the distribution to Class B Certificateholders on October 15, 2001
       per $1,000 Original Principal Amount.                                                                            3.1091666667
                                                                                                                 -------------------

2)     The amount of the distribution set forth in paragraph 1 above in respect of interest
       on the Class B Certificates, per $1,000 Original Principal Amount.                                               3.1091666667
                                                                                                                 -------------------

3)     The amount of the distribution set forth in paragraph 1 above in respect of principal
       of the Class B Certificates, per $1,000 Original Principal Amount.                                               0.0000000000
                                                                                                                 -------------------

D)  Class B Investor Charge Off's and Reimbursement of Charge Off's

1)     The amount of Class B Investor Charge Off's                                                                      0.0000000000
                                                                                                                 -------------------

2)     The amount of Class B Investor Charge Off's set forth in paragraph 1 above, per $1,000
       Original Principal Amount                                                                                        0.0000000000
                                                                                                                 -------------------


3)     The total amount reimbursed to the Trust in respect of Class B Investor Charge Off's                             0.0000000000
                                                                                                                 -------------------

4)     The amount set forth in paragraph 3 above, per $1,000 Original Principal
       Amount (which will have the effect of increasing, pro rata, the amount of
       each Series 2000-3 Investor Certificateholder's
       Investment)                                                                                                      0.0000000000
                                                                                                                 -------------------

5)     The amount, if any, by which the outstanding principal balance of the Class B Certificates
       exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date            0.0000000000
                                                                                                                 -------------------

E)  Information Regarding Distributions to the Collateral Interest Holder
(Stated on the Basis of $1,000 Original Principal Amount)

1)     The total amount of the distribution to Collateral Interest Holder on
       Distribution Date: October 15, 2001 per $1,000 Original Principal Amount.                                        6.5833333000
                                                                                                                 -------------------

2)     The amount of the distribution set forth in paragraph 1 above in respect of interest
       on the Collateral Interest, per $1,000 Original Principal Amount.                                                6.5833333000
                                                                                                                 -------------------

3)     The amount of the distribution set forth in paragraph 1 above in respect of principal
       of the Collateral Interest, per $1,000 Original Principal Amount.                                                0.0000000000
                                                                                                                 -------------------


F)  Collateral Interest Investor Charge Off's and Reimbursement of Charge Off's

1)     The amount of Collateral Interest Investor Charge Off's                                                          0.0000000000
                                                                                                                 -------------------

2)     The amount of Collateral Interest Investor Charge Off's set forth in paragraph 1 above, per $1,000
       Original Principal Amount                                                                                        0.0000000000
                                                                                                                 -------------------

3)     The total amount reimbursed to the Trust in respect of Collateral Interest Investor Charge Off's                 0.0000000000
                                                                                                                 -------------------

4)     The amount set forth in paragraph 3 above, per $1,000 Original Principal Amount                                  0.0000000000
                                                                                                                 -------------------


                                                                  Page 35 of 52