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MONTHLY CERTIFICATEHOLDERS STATEMENT
CAPITAL ONE MASTER TRUST
SERIES 1994-A
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 Seller and Servicer (the
"Bank"), and the Bank of New York, as trustee (the "Trustee") and pursuant to
the Amended and Restated Series 1994-A Supplement dated as of November 17, 1994
and amended and restated as of October 31, 1997 among the Bank, the Trustee and
Union Bank of Switzerland, New York Branch, as servicing agent, the Bank 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 January 15,
1998, and with respect to the performance of the Trust during the month
December, 1997 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
1) The total amount of the distribution to Series 1994-A Certificateholders on the
Payment Date is 5.2927056000
----------------
2) The amount of the distribution set forth in paragraph 1 above in respect of principal
on the Series 1994-A Certificate is 0.0000000000
----------------
3) The amount of the distribution set forth in paragrah 1 above in respect of interest
on the Series 1994-A Certificates 5.2927056000
----------------
4) The total amount of the distribution to Collateral Indebtedness Holder on the 5.5804047426
Payment Date is ----------------
5) The amount of the distribution set forth in 4 above in respect to principal 0.0000000000
on the Collateral Indebtedness Interest is ----------------
6) The amount of the distributioin set forth in 4 above in respect to interest 5.5804047426
on the Collateral Indebtedness Interest is ----------------
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