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: February 16, 1999 ----------------- 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 42 2 ITEM 5. OTHER EVENTS The January 1999 monthly Certificateholder's Statements to investors were distributed February 16, 1999. ITEM 7 (c). EXHIBITS The following are filed as exhibits to this Report under Exhibit 20: 1. January Performance Summary 2. Series 1993-4 Class A and Class B Certificateholder's Statements for the month of January 1999. 3. Series 1994-3 Class A and Class B Certificateholder's Statements for the month of January 1999. 4. Series 1994-A Certificateholder's Statement for the month of January 1999. 5. Series 1995-1 Class A and Class B Certificateholder's Statements for the month of January 1999. 6. Series 1995-3 Class A and Class B Certificateholder's Statements for the month of January 1999. 7. Series 1996-1 Class A and Class B Certificateholder's Statements for the month of January 1999. 8. Series 1996-2 Class A and Class B Certificateholder's Statements for the month of January 1999. 9. Series 1996-3 Class A and Class B Certificateholder's Statements for the month of January 1999. 10. Series 1997-1 Class A and Class B Certificateholder's Statements for the month of January 1999. 11. Series 1997-2 Class A and Class B Certificateholder's Statements for the month of January 1999. 12. Series 1998-1 Class A and Class B Certificateholder's Statements for the month of January 1999. 13. Series 1998-2 Class A and Class B Certificateholder's Statements for the month of January 1999. 14. Series 1998-3 Class A and Class B Certificateholder's Statement for the month of January 1999. 15. Series 1998-4 Class A and Class B Certificateholder's Statement for the month of January 1999. Page 2 of 42 3 16. Series 1998-5 Certificateholder's Statement for the month of January 1999. 17. Series 1998-6 Certificateholder's Statement for the month of January 1999. 18. 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 thereunto duly authorized. CAPITAL ONE MASTER TRUST By: CAPITAL ONE BANK Servicer By: /s/ David M. Willey ----------------------------------- David M. Willey Senior Vice President and Treasurer Date: February 16, 1999 Page 3 of 42 4 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 42 5 INDEX TO EXHIBITS SEQUENTIALLY EXHIBIT NUMBERED NUMBER EXHIBITS PAGE - ------ -------- ----------- 1 January Performance Summary 07 2 Series 1993-4 Class A and Class B Certificate- holder's Statements for the month of January 1999 09 3 Series 1994-3 Class A and Class B Certificate- holder's Statements for the month of January 1999 11 4 Series 1994-A Certificateholder's Statement for the month of January 1999 13 5 Series 1995-1 Class A and Class B Certificate- holder's Statements for the month of January 1999 14 6 Series 1995-3 Class A and Class B Certificate- holder's Statements for the month of January 1999 16 7 Series 1996-1 Class A and Class B Certificate- holder's Statements for the month of January 1999 18 8 Series 1996-2 Class A and Class B Certificate- holder's Statements for the month of January 1999 20 Page 5 of 42 6 9 Series 1996-3 Class A and Class B Certificate- holder's Statements for the month of January 1999 22 10 Series 1997-1 Class A and Class B Certificate- holder's Statements for the month of January 1999 24 11 Series 1997-2 Class A and Class B Certificate- holder's Statements for the month of January 1999 26 12 Series 1998-1 Class A and Class B Certificate- holder's Statements for the month of January 1999 29 13 Series 1998-2 Class A and Class B Certificate- holder's Statements for the month of January 1999 32 14 Series 1998-3 Class A and Class B Certificate- holder's Statements for the month of January 1999 35 15 Series 1998-4 Class A and Class B Certificate- holder's Statements for the month of January 1999 38 16 Series 1998-5 Certificateholder's Statements for the month of January 1999 41 17. Series 1998-6 Certificateholder's Statement for the month of January 1999. 42 18. Trust Excess Spread Analysis Page 6 of 42