- -------------------------------------------------------------------------------- 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 (Date of earliest event reported) December 11, 2001 CHEVY CHASE BANK, F.S.B. - -------------------------------------------------------------------------------- (Exact name of registrant as specified in its charter) United States 333-71668 52-0897004 - --------------------------------- ------------------- -------------------- (State or Other Jurisdiction of (Commission File (I.R.S. Employer Incorporation) Number) Identification No.) 7501 Wisconsin Avenue Bethesda, Maryland 20814 20814 ------------- (Address of Principal Executive (Zip Code) Offices) Registrant's telephone number, including area code (301) 986-7000 --------------------- No Change - -------------------------------------------------------------------------------- (Former name or former address, if changed since last report) - -------------------------------------------------------------------------------- Item 7. Financial Statements, Pro Forma Financial Information and Exhibits. ------------------------------------------------------------------ (a) Not applicable (b) Not applicable (c) Exhibits: 8.1 Opinion of Dewey Ballantine LLP regarding certain tax matters. SIGNATURES Pursuant to the requirements of Section 13 or 15(d) 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. CHEVY CHASE BANK, F.S.B., on behalf of Chevy Chase Auto Receivables Trust 2001-3 Registrant By: /s/ Mark A. Holles ------------------ Name: Mark A. Holles Title: Group Vice President Dated: December 11, 2001 EXHIBIT INDEX Exhibit No. Description - ----------- ----------- Exhibit 8.1 Opinion of Dewey Ballantine LLP regarding certain tax matters.