1



                       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 15, 1996
                                           -------------



                            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 June 1996 monthly Certificateholders Statements to investors were distributed July 15, 1996.

ITEM 7 (c).        EXHIBITS
                   --------

                   The following are filed as exhibits to this Report under Exhibit 28:

                   1.     June Performance Summary
                   2.     Series 1993-1 Class A and Class B Certificateholder's Statements for
                          the month of June 1996.
                   3.     Series 1993-3 Class A and Class B Certificateholder's Statements for
                          the month of June 1996.
                   4.     Series 1993-4 Class A and Class B Certificateholder's Statements for
                          the month of June 1996.
                   5.     Series 1994-1 Class A and Class B Certificateholder's Statements for
                          the month of June, 1996.
                   6.     Series 1994-2 Class A and Class B Certificateholder's Statements for
                          the month of June 1996.
                   7.     Series 1994-3 Class A and Class B Certificateholder's Statements for
                          the month of June 1996.
                   8.     Series 1994-4 Class A and Class B Certificateholder's Statements for
                          the month of June 1996.
                   9.     Series 1994-A Certificateholders' Statement for the month of
                          June 1996.
                   10.    Series 1995-1 Class A and Class B Certificateholder's Statements
                          for the month of June 1996.
                   11.    Series 1995-2 Class A and Class B Certificateholder's Statements
                          for the month of June 1996.
                   12.    Series 1995-3 Class A and Class B Certificateholder's Statements
                          for the month of June 1996.
                   13.    Series 1995-4 Class A and Class B Certificateholder's Statements
                          for the month of June 1996.






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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
                                            Vice President
Date:  July 15, 1996





                                                                    Page 3 of 30
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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 30
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                               INDEX TO EXHIBITS



                                                                                   SEQUENTIALLY
EXHIBIT                                                                            NUMBERED
NUMBER               EXHIBITS                                                      PAGE              
- ------               --------                                                      ------------------
                                                                                    
   1                 June Performance Summary                                             06

   2                 Series 1993-1 Class A and Class B Certificate-
                     holder's Statements for the month of June 1996                       08

   3                 Series 1993-3 Class A and Class B Certificate-
                     holder's Statements for the month of June 1996                       10

   4                 Series 1993-4 Class A and Class B Certificate-
                     holder's Statements for the month of June 1996                       12

   5                 Series 1994-1 Class A and Class B Certificate-
                     holder's Statements for the month of June 1996                       14

   6                 Series 1994-2 Class A and Class B Certificate-
                     holder's Statements for the month of June 1996                       16

   7                 Series 1994-3 Class A and Class B Certificate-
                     holder's Statements for the month of June 1996                       18

   8                 Series 1994-4 Class A and Class B Certificate-
                     holder's Statements for the month of June 1996                       20

   9                 Series 1994-A Certificateholder's Statement for
                     the month of June 1996                                               22

   10                Series 1995-1 Class A and Class B Certificate-
                     holder's Statements for the month of June 1996                       23

   11                Series 1995-2 Class A and Class B Certificate-
                     holder's Statements for the month of June 1996.                      25

   12                Series 1995-3 Class A and Class B Certificate-
                     holder's Statements for the month of June 1996.                      27

   13                Series 1995-4 Class A and Class B Certificate-
                     holder's Statements for the month of June 1996.                      29






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