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: May 17, 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 41 2 ITEM 5. OTHER EVENTS The April 1999 monthly Certificateholder's Statements to investors were distributed May 17, 1999. ITEM 7 (c). EXHIBITS The following are filed as exhibits to this Report under Exhibit 20: 1. April Performance Summary 2. Series 1994-3 Class A and Class B Certificateholder's Statements for the month of April 1999. 3. Series 1994-A Certificateholder's Statement for the month of April 1999. 4. Series 1995-1 Class A and Class B Certificateholder's Statements for the month of April 1999. 5. Series 1995-3 Class A and Class B Certificateholder's Statements for the month of April 1999. 6. Series 1996-1 Class A and Class B Certificateholder's Statements for the month of April 1999. 7. Series 1996-2 Class A and Class B Certificateholder's Statements for the month of April 1999. 8. Series 1996-3 Class A and Class B Certificateholder's Statements for the month of April 1999. 9. Series 1997-1 Class A and Class B Certificateholder's Statements for the month of April 1999. 10. Series 1997-2 Class A and Class B Certificateholder's Statements for the month of April 1999. 11. Series 1998-1 Class A and Class B Certificateholder's Statements for the month of April 1999. 12. Series 1998-2 Class A and Class B Certificateholder's Statements for the month of April 1999. 13. Series 1998-3 Class A and Class B Certificateholder's Statements for the month of April 1999. 14. Series 1998-4 Class A and Class B Certificateholder's Statements for the month of April 1999. 15. Series 1998-5 Certificateholder's Statement for the month of April 1999. Page 2 of 41 3 16. Series 1998-6 Certificateholder's Statement for the month of April 1999. 17. 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/ David M. Willey ----------------------------------- David M. Willey Senior Vice President and Treasurer Date: May 17, 1999 Page 3 of 41 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 41 5 INDEX TO EXHIBITS SEQUENTIALLY EXHIBIT NUMBERED NUMBER EXHIBITS PAGE - ------ -------- ------------ 1 April Performance Summary 07 2 Series 1994-3 Class A and Class B Certificate- holder's Statements for the month of April 1999 09 3 Series 1994-A Certificateholder's Statement for the month of April 1999 11 4 Series 1995-1 Class A and Class B Certificate- holder's Statements for the month of April 1999 12 5 Series 1995-3 Class A and Class B Certificate- holder's Statements for the month of April 1999 14 6 Series 1996-1 Class A and Class B Certificate- holder's Statements for the month of April 1999 16 7 Series 1996-2 Class A and Class B Certificate- holder's Statements for the month of April 1999 18 8 Series 1996-3 Class A and Class B Certificate- holder's Statements for the month of April 1999 20 9 Series 1997-1 Class A and Class B Certificate- holder's Statements for the month of April 1999 22 10 Series 1997-2 Class A and Class B Certificate- holder's Statements for the month of April 1999 24 11 Series 1998-1 Class A and Class B Certificate- holder's Statements for the month of April 1999 27 12 Series 1998-2 Class A and Class B Certificate- holder's Statements for the month of April 1999 30 13 Series 1998-3 Class A and Class B Certificate- holder's Statements for the month of April 1999 33 Page 5 of 41 6 14 Series 1998-4 Class A and Class B Certificate- holder's Statements for the month of April 1999 36 15 Series 1998-5 Certificateholder's Statement for the month of April 1999 39 16 Series 1998-6 Certificateholder's Statement for the month of April 1999 40 17 Trust Excess Spread Analysis 41 Page 6 of 41