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: July 9, 2002
                                         ------------




                           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 58




ITEM 5.          OTHER EVENTS

                 The June 2002 monthly Certificateholder's Statements to
                 investors were distributed July 9, 2002.


ITEM 7 (c).      EXHIBITS

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

                 1.  June Performance Summary

                 2.  Series 1996-3 Class A and Class B Certificateholder's
                     Statements for the month of June 2002.

                 3.  Series 1997-2 Class A and Class B Certificateholder's
                     Statements for the month of June 2002.

                 4.  Series 1998-1 Class A and Class B Certificateholder's
                     Statements for the month of June 2002.

                 5.  Series 1998-4 Class A and Class B Certificateholder's
                     Statements for the month of June 2002.

                 6.  Series 1999-1 Class A and Class B Certificateholder's
                     Statements for the month of June 2002

                 7.  Series 1999-3 Class A and Class B Certificateholder's
                     Statements for the month of June 2002

                 8.  Series 2000-1 Class A and Class B Certificateholder's
                     Statements for the month of June 2002

                 9.  Series 2000-2 Class A and Class B Certificateholder's
                     Statements for the month of June 2002

                 10. Series 2000-3 Class A and Class B Certificateholder's
                     Statements for the month of June 2002

                 11. Series 2000-4 Class A and Class B Certificateholder's
                     Statements for the month of June 2002

                 12. Series 2000-5 Class A and Class B Certificateholder's
                     Statements for the month of June 2002

                 13. Series 2001-1 Class A and Class B Certificateholder's
                     Statements for the month of June 2002

                 14. Series 2001-2 Class A and Class B Certificateholder's
                     Statements for the month of June 2002

                 15. Series 2001-3 Class A and Class B Certificateholder's
                     Statements for the month of June 2002

                 16. Series 2001-4 Class A and Class B Certificateholder's
                     Statements for the month of June 2002

                 17. Series 2001-5 Class A and Class B Certificateholder's
                     Statements for the month of June 2002

                 18. Series 2001-6 Class A and Class B Certificateholder's
                     Statements for the month of June 2002



                                                                  Page 2 of 58


                 19. Series 2001-7 Class A and Class B Certificateholder's
                     Statements for the month of June 2002

                 20. Series 2001-8 Class A and Class B Certificateholder's
                     Statements for the month of June 2002

                 21. Series 2002-1 Class A and Class B Certificateholder's
                     Statements for the month of June 2002

                 22. Series 2002-2 Class A and Class B Certificateholder's
                     Statements for the month of June 2002

                 23. Series 2002-3 Class A and Class B Certificateholder's
                     Statements for the month of June 2002

                 24. Series 2002-4 Class A and Class B Certificateholder's
                     Statements for the month of June 2002

                 25. 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/ Tom Feil
                                                 -----------------------------
                                                  Tom Feil
                                                  Director of Capital Markets
Date:  July 9, 2002

                                                                  Page 3 of 58







                      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 58





                              INDEX TO EXHIBITS


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

                                                                 
    1             June Performance Summary                                   07

    2             Series 1996-3 Class A and Class B Certificate-
                  holder's Statements for the month of June 2002             09

    3             Series 1997-2 Class A and Class B Certificate-
                  holder's Statements for the month of June 2002             11

    4             Series 1998-1 Class A and Class B Certificate-
                  holder's Statements for the month of June 2002             14

    5             Series 1998-4 Class A and Class B Certificate-
                  holder's Statements for the month of June 2002             16

    6             Series 1999-1 Class A and Class B Certificate-
                  holder's Statements for the month of June 2002             18

    7             Series 1999-3 Class A and Class B Certificate-
                  holder's Statements for the month of June 2002             20

    8             Series 2000-1 Class A and Class B Certificate-
                  holder's Statements for the month of June 2002             22

    9             Series 2000-2 Class A and Class B Certificate-
                  holder's Statements for the month of June 2002             24

    10            Series 2000-3 Class A and Class B Certificate-
                  holder's Statements for the month of June 2002             26

    11            Series 2000-4 Class A and Class B Certificate-
                  holder's Statements for the month of June 2002             28

    12            Series 2000-5 Class A and Class B Certificate-
                  holder's Statements for the month of June 2002             30

    13            Series 2001-1 Class A and Class B Certificate-
                  holder's Statements for the month of June 2002             32

    14            Series 2001-2 Class A and Class B Certificate-
                  holder's Statements for the month of June 2002             34


                                                                  Page 5 of 58



                                                                 
    15            Series 2001-3 Class A and Class B Certificate-
                  holder's Statements for the month of June 2002             36

    16            Series 2001-4 Class A and Class B Certificate-
                  holder's Statements for the month of June 2002             38

    17            Series 2001-5 Class A and Class B Certificate-
                  holder's Statements for the month of June 2002             40

    18            Series 2001-6 Class A and Class B Certificate-
                  holder's Statements for the month of June 2002             42

    19            Series 2001-7 Class A and Class B Certificate-
                  holder's Statements for the month of June 2002             44

    20            Series 2001-8 Class A and Class B Certificate-
                  holder's Statements for the month of June 2002             46

    21            Series 2002-1 Class A and Class B Certificate-
                  holder's Statements for the month of June 2002             48

    22            Series 2002-2 Class A and Class B Certificate-
                  holder's Statements for the month of June 2002             50

    23            Series 2002-3 Class A and Class B Certificate-
                  holder's Statements for the month of June 2002             52

    24            Series 2002-4 Class A and Class B Certificate-
                  holder's Statements for the month of June 2002             54

    25            Trust Excess Spread Analysis                               56


                                                                  Page 6 of 58