# FORM 6-K

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

# Report of Foreign Issuer

# Pursuant to Rule 13a-16 or 15d-16 of

# Securities Exchange Act of 1934

For the month of March 2004

ABBEY NATIONAL PLC(Translation of registrants
 name into English)

Abbey House, 2 Triton Square, Regents PlaceLondon
 NW1 3AN, England(Address of principal executive offices)

Indicate
 by check mark whether the registrant files or will file annual reports under cover Form 20-F or Form
 40-F.

Form 20-F . . . .X. . . . Form 40-F . . . . . . . .

Indicate
 by check mark whether the registrant by furnishing the information contained in this Form is also thereby
 furnishing the information to the Commission pursuant to Rule 12g3-2(b) under the Securities Exchange
 Act of 1934.

Yes . . . . . . . No . . .X. . . .

---

SCHEDULE 11

NOTIFICATION OF
  INTERESTS OF DIRECTORS AND CONNECTED PERSONS



1. Name of company



ABBEY NATIONAL PLC



2. Name of director



LUQMAN ARNOLDALAN STEPHEN ANTONY WYATT



3. Please state whether notification
  indicates that it is in respect of holding of the shareholder named in 2 above
  or in respect of a non-beneficial interest or in the case of an individual holder
  if it is a holding of that person's spouse or children under the age of 18 or
  in respect of a non-beneficial interest



BENEFICIAL HOLDING OF DIRECTORS NAMED
  IN 2 ABOVE.



4. Name of the registered holder(s)
  and, if more than one holder, the number of shares held by each of them (if
  notified)



ABBEY NATIONAL EMPLOYEE TRUST



5. Please state whether notification
  relates to a person(s) connected with the director named in 2 above and identify
  the connected person(s)



N/A



6. Please state the nature of the
  transaction. For PEP transactions please indicate whether general/single co
  PEP and if discretionary/non discretionary



SHARES PURCHASED FOR THE DIRECTORS
  NAMED IN 2 ABOVE 
  UNDER THE TERMS OF THE ABBEY NATIONAL PLC EXECUTIVE SHARE 
  MATCHING SCHEME GIVING THE DIRECTORS THE RIGHT TO ACQUIRE 
  THE SHARES CONDITIONAL UPON THE SATISFACTION OF 
  PERFORMANCE CONDITIONS UNDER THE SCHEME.



7. Number of shares / amount of stock
  acquired



229,174 ORDINARY SHARES OF 10p EACHLUQMAN ARNOLD 218,971 ORDINARY
  SHARES OF 10p EACHALAN STEPHEN ANTONY WYATT 10,203
  ORDINARY SHARES OF 10p EACH



8. Percentage of issued class



0.00%



9. Number of shares/amount of stock
  disposed



N/A



10. Percentage of issued class



N/A



11. Class of security



ORDINARY SHARES OF 10p EACH



12. Price per share



84,619 SHARES ACQUIRED FOR 444p

144,555 SHARES ACQUIRED FOR 440p



13. Date of transaction



24 MARCH 2004



14. Date company informed



25 MARCH 2004



15. Total holding following this
  notification



255,766 ORDINARY SHARES OF 10p EACHLUQMAN ARNOLD 245,563 ORDINARY
  SHARES OF 10p EACHALAN STEPHEN ANTONY WYATT 10,203
  ORDINARY SHARES OF 10p EACH



16. Total percentage holding of issued
  class following this notification



0.00%



If a director has been granted options
  by the company please complete the following boxes.



17. Date of grant







18. Period during which or date on
  which exercisable







19. Total amount paid (if any) for
  grant of the option







20. Description of shares or debentures
  involved: class, number







21. Exercise price (if fixed at time
  of grant) or indication that price is to be fixed at time of exercise







22. Total number of shares or debentures
  over which options held following this notification







23. Any additional information







24. Name of contact and telephone
  number for queries



JASON WRIGHT  0207 756 4767



25. Name and signature of authorised
  company official responsible for making this notification



JASON WRIGHT



Date of Notification



29 MARCH 2004



The FSA does not give any express
  or implied warranty as to the accuracy of this document or material and does
  not accept any liability for error or omission. The FSA is not liable for any
  damages (including, without limitation, damages for loss of business or loss
  of profits) arising in contract, tort or otherwise from the use of or inability
  to use this document, or any material contained in it, or from any action or
  decision taken as a result of using this document or any such material.

---

# SIGNATURES

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.



|                    | ABBEY NATIONAL PLC                                
|------------------- | --------------------------------------------------
|Date: 29 March 2004 |                                                   
|                    | By:  /s/ Jason WrightJason WrightAbbey Secretariat