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:   October 15, 1997
                                         ----------------




                          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 36
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ITEM 5.            OTHER EVENTS.

                   The September 1997 monthly Certificateholders Statements to
                   investors were distributed October 15, 1997.

ITEM 7 (c).        EXHIBITS

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

                   1.  September Performance Summary

                   2.  Series 1993-1 Class A and Class B Certificateholder's
                            Statements for the month of September 1997.

                   3.  Series 1993-4 Class A and Class B Certificateholder's
                            Statements for the month of September 1997.

                   4.  Series 1994-3 Class A and Class B Certificateholder's
                            Statements for the month of September 1997.

                   5.  Series 1994-4 Class A and Class B Certificateholder's
                            Statements for the month of September 1997.

                   6.  Series 1994-A Certificateholders' Statement for the
                            month of September 1997.

                   7.  Series 1995-1 Class A and Class B Certificateholder's
                            Statements for the month of September 1997.

                   8.  Series 1995-2 Class A and Class B Certificateholder's
                            Statements for the month of September 1997.

                   9.  Series 1995-3 Class A and Class B Certificateholder's
                            Statements for the month of September 1997.

                   10.  Series 1995-4 Class A and Class B Certificateholder's
                            Statements for the month of September 1997.

                   11.  Series 1996-1 Class A and Class B Certificateholder's
                            Statements for the month of September 1997.

                   12.  Series 1996-2 Class A and Class B Certificateholder's
                            Statements for the month of September 1997.

                   13.  Series 1996-3 Class A and Class B Certificateholder's
                            Statements for the month of September 1997.

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

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

                   The following is filed as an exhibit to this Report under
                   Exhibit 99:

                   1.   Amendment No. 3 to the Pooling and Servicing Agreement,
                        dated as of October 15, 1997. 


                                                                    Page 2 of 36
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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: October 15, 1997





                                                                    Page 3 of 36
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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 36
   5
                               INDEX TO EXHIBITS



                                                                                   SEQUENTIALLY
EXHIBIT                                                                            NUMBERED
NUMBER               EXHIBITS                                                      PAGE        
- ------               --------                                                      ------------
                                                                                    
   1                 September Performance Summary                                        07

   2                 Series 1993-1 Class A and Class B Certificate-
                     holder's Statements for the month of September 1997                  09

   3                 Series 1993-4 Class A and Class B Certificate-
                     holder's Statements for the month of September 1997                  11

   4                 Series 1994-3 Class A and Class B Certificate-
                     holder's Statements for the month of September 1997                  13

   5                 Series 1994-4 Class A and Class B Certificate-
                     holder's Statements for the month of September 1997                  15

   6                 Series 1994-A Certificateholder's Statement for
                     the month of September 1997                                          17

   7                 Series 1995-1 Class A and Class B Certificate-
                     holder's Statements for the month of September 1997                  18

   8                 Series 1995-2 Class A and Class B Certificate-
                     holder's Statements for the month of September 1997                  20

   9                 Series 1995-3 Class A and Class B Certificate-
                     holder's Statements for the month of September 1997                  22

   10                Series 1995-4 Class A and Class B Certificate-
                     holder's Statements for the month of September 1997                  24

   11                Series 1996-1 Class A and Class B Certificate-
                     holder's Statements for the month of September 1997                  26

   12                Series 1996-2 Class A and Class B Certificate-
                     holder's Statements for the month of September 1997                  28






                                                                    Page 5 of 36
   6




                                                                                    
   13                Series 1996-3 Class A and Class B Certificate-
                     holder's Statements for the month of September 1997                  30


   14                Series 1997-1 Class A and Class B Certificate-
                     holder's Statements for the month of September 1997                  32


   15                Series 1997-2 Class A and Class B Certificate-
                     holder's Statements for the month of September 1997                  34

   99.1              Amendment No. 3 to the Pooling and Servicing
                     Agreement, dated as of October 15, 1997.






                                                                    Page 6 of 36