SECURITIES AND EXCHANGE COMMISSION
                            WASHINGTON, DC   20549

                                  FORM 10-K

                ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d)
                   OF THE SECURITIES EXCHANGE ACT OF 1934


FOR THE FISCAL YEAR ENDED:                    COMMISSION FILE NUMBER:
    December 31, 1999                                 333-89755
                   MBNA AMERICA BANK, NATIONAL ASSOCIATION,
                                 ON BEHALF OF
                        MBNA MASTER CREDIT CARD TRUSTS
         (Issuer in respect of the MBNA Master Credit Card Trust II
                   Fixed and Floating Rate Asset Backed Certificates)
            (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)

   United States of America                                  51-0331-454
 (STATE OR OTHER JURISDICTION                             (I.R.S.
EMPLOYER
OF INCORPORATION OR ORGANIZATION)                        IDENTIFICATION
NO.)


                              Wilmington, DE. 19884-0781
             (ADDRESS OF PRINCIPAL EXECUTIVE OFFICES) (ZIP CODE)
REGISTRANT'S TELEPHONE NUMBER, INCLUDING AREA CODE:
                              (800) 362-6255
SECURITIES REGISTERED PURSUANT TO SECTION 12(B) OF THE ACT:
                               None
SECURITIES REGISTERED PURSUANT TO SECTION 12(G) OF THE ACT:
MBNA Master Credit Card Trust II, Series 1994-C,
Series 1995-A, Series 1995-B, Series 1995-C, Series 1995-D, Series 1995-
E, Series 1995-F, Series 1995-I, Series 1995-J, Series 1996-A,
 Series 1996-E, Series 1996-G,
Series 1996-H, Series 1996-J, Series 1996-K, Series 1996-M, Series 1997-
B, Series 1997-C, Series 1997-E, Series 1997-F, Series 1997-I, Series
1997-J, Series 1997-K, Series 1997-M, Series 1997-N, Series 1998-A,
 Series 1998-D, Series 1999-B, Series 1999-D, Series 1999-E, Series 1999-
G, Series 1999-H, Series 1999-I, Series 1999-J,
and Series 1999-M.

              Fixed and Floating Rate Asset Backed Certificates

INDICATE BY CHECK MARK WHETHER THE REGISTRANT HAS (1) FILED ALL REPORTS
REQUIRED  TO BE FILED BY SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE
ACT OF 1934 DURING THE PRECEDING 12 MONTHS (OR FOR SUCH SHORTER PERIOD
THAT THE REGISTRANT WAS REQUIRED TO FILE SUCH REPORTS) AND (2) HAS BEEN
SUBJECT TO SUCH FILING REQUIREMENTS FOR THE PAST 90 DAYS.

                              Yes  [X]      No  [ ]

STATE THE AGGREGATE MARKET VALUE OF THE VOTING STOCK HELD BY NON-
AFFILIATES OF THE REGISTRANT.

The Registrant has no voting stock or class of common stock outstanding
as of the date of this report.


<PAGE>

                              INTRODUCTORY NOTE
                              -----------------

MBNA America Bank, National Association (the "Originator") is the
originator, seller, and servicer under the Pooling and Servicing
Agreement (the "Agreement"), dated as of August 4, 1994, and the Series
1994-C , Series 1995-A, Series 1995-B, Series 1995-C, Series 1995-D,
Series 1995-E, Series 1995-F, Series 1995-I, Series 1995-J, Series 1996-
A, Series 1996-B, Series 1996-C, Series 1996-D, Series 1996-E, Series
1996-G, Series 1996-H, Series 1996-J, Series 1996-K, Series 1996-M,
Series 1997-B, Series 1997-C, Series 1997-E, Series 1997-F, Series 1997-
I, Series 1997-J, Series 1997-K, Series 1997-M, Series 1997-N, Series
1998-A, Series 1998-C, Series 1998-D, Series 1998-E, Series 1998-F,
Series 1998-G, Series 1998-I, Series 1998-J, Series 1999-A, Series 1999-
B, Series 1999-D, Series 1999-E, Series 1999-G, Series 1999-H, Series
1999-I, Series 1999-J, Series 1999-L, and Series 1999-M. Supplements
dated as of October 26, 1994, March 22, 1995, May 23, 1995, June 29,
1995, June 29, 1995, August 2, 1995, August 30, 1995, October 26, 1995,
November 21, 1995, February 28, 1996, March 26, 1996, March 27, 1996,
May 1, 1996, Mar 21, 1996, July 17, 1996, August 14, 1996, September 19,
1996, October 24, 1996, November 26, 1996, February 27, 1997, March 26,
1997, May 8, 1997, June 18, 1997, August 26, 1997, September 10, 1997,
October 22, 1997, November 6, 1997, December 9, 1997, March 18, 1998,
June 24, 1998, July 30, 1998, August 11, 1998, August 26, 1998,
September 10, 1998, October 22, 1998, October 29, 1998, March 25, 1999,
March 26, 1999, June 3, 1999, July 7, 1999, July 29, 1999, August 18,
1999, September 8, 1999, September 23, 1999, November 5, 1999, and
December 1, 1999 respectively, by and between the Originator and the
trustee, providing for the issuance of the MBNA Master Credit Card Trust
II, Series 1994-C, Series 1995-A, Series 1995-B, Series 1995-C, Series
1995-D, Series 1995-E, Series 1995-F, Series 1995-I, Series 1995-J,
Series 1996-A, Series 1996-B, Series 1996-C, Series 1996-D, Series 1996-
E, Series 1996-G, Series 1996-H, Series 1996-J, Series 1996-K, Series
1996-M, Series 1997-B, Series 1997-C, Series 1997-E, Series 1997-F,
Series 1997-I, Series 1997-J, Series 1997-K, Series 1997-M, Series 1997-
N, Series 1998-A, Series 1998-C, Series 1998-D, Series 1998-E, Series
1998-F, Series 1998-G, Series 1998-I, Series 1998-J, Series 1999-A,
Series 1999-B, Series 1999-D, Series 1999-E, Series 1999-G, Series 1999-
H, Series 1999-I, Series 1999-J, Series 1999-L, and Series 1999-M. Fixed
and Floating Rate Asset Backed Certificates (the "Certificates") and is
the originator of the MBNA Master Credit Card Trust II (the
"Registrant").  The Certificates do not represent obligations of or
interest in the Originator.  The Originator has made application
pursuant to Section 12 (h) of the Securities Exchange Act of 1934 for an
exemption from certain reporting requirements.  Pursuant to an Order of
the Securities and Exchange Commission dated December 30, 1988 granting
Originator's application, Originator is not required to respond to
various items of Form 10-K.  Such items are designated herein as "Not
Applicable".


                                     PART I
                                     ------


Item 1.   Business
-------   --------

          Not Applicable


Item 2.   Properties
-------   ----------

          Not Applicable


Item 3.   Legal Proceedings
-------   -----------------

          None


Item 4.   Submission Of Matters To A Vote Of Security Holders.
-------   ----------------------------------------------------

          None


                                     PART II
                                     -------


Item 5.   Market For Registrant's Common Equity
-------   And Related Stockholder Matters.
          --------------------------------

          The Certificates representing investors' interests in the
Trust
          are represented by a single Certificate registered in the name
of
          Cede & Co., the nominee of The Depository Trust Company.




Item 6.   Selected Financial Data
-------   -----------------------

          Not Applicable

Item 7.   Management's Discussion and Analysis of Financial Condition
and
-------   Results of Operations
          --------------------------------------------------------------
-

          Not Applicable

Item 7A.  Quantitative and Qualitative Disclosure About
          Market Risk
--------  ---------------------------------------------

          Not Applicable

Item 8.   Financial Statements and Supplementary Data
-------   -------------------------------------------

          Not Applicable

Item 9.   Changes In And Disagreements With Accountants On Accounting
-------   And Financial Disclosure.
          -----------------------------------------------------------

          None

Item 10.  Directors and Executive Officers of the Registrant
--------  --------------------------------------------------

          Not Applicable

Item 11.  Executive Compensation
--------  ----------------------

          Not Applicable


                                    PART III
                                    --------


Item 12.  Security Ownership Of Certain Beneficial Owners And Management
--------  --------------------------------------------------------------

   (a) The Certificates of each Series representing investors' interests
in the Trust are represented by one or more Certificates registered in
the name of Cede & Co., the nominee of The Depository Trust Company
("DTC"), and an investor holding an interest in the Trust is not
entitled to receive a Certificate representing such interest except in
certain limited circumstances.  Accordingly,  Cede & Co. is the sole
holder of record of Certificates, which it held on behalf of brokers,
dealers, banks and other direct participants in the DTC system at
December 31, 1999.  Such direct participants may hold Certificates for
their own accounts or for the accounts of their customers.  At December
31, 1999, the following direct DTC participants held positions in
Certificates representing interests in the Trust equal to or exceeding
5% of the total principal amount of the Certificates of each Series
outstanding on that date:

<TABLE>
<CAPTION>
--Aggregate -
--Amount of-Percentage
Title--Certificates-Of
Class-Name-Held-Ownership
------------------------------------------------------------------------
--------------
<S>-<C>-<C>-<C>
Series 1994-C---
Class A-Bank of New York (The)-$  47,647,000-5.48%
-Bankers Trust Company -93,900,000-10.79%
-Chase Manhattan Bank-268,175,000-30.82%
-Deutsche Bank A.G., New York Branch-65,380,000-7.51%
-State Street Bank and Trust Company-253,930,000-29.19%
Class B-Bankers Trust Company-   $   4,000,000  -8.89%
-Bank One Trust Company, N.A.-14,000,000-31.11%
-Chase Manhattan Bank-10,000,000-22.22%
-Investors Bank & Trust/M.F. Custody-10,000,000-22.22%
-SSB - Bank Portfolio-7,000,000-15.56%
---
Series 1995-A---
Class A-Bank of New York (The)-$  42,938,000-8.58%
-Bankers Trust Company-45,100,000-9.02%
-Boston Safe Deposit and Trust Company-103,350,000-20.66%
-Chase Manhattan Bank-94,389,000-18.87%
-Citibank, N.A.-105,000,000-20.99%
-Merrill Lynch, Pierce Fenner & Smith Safekeeping-30,211,000-6.04%
Class B-Chase Manhattan Bank-$   7,875,000-30.43%
-Citibank, N.A.-8,000,000-30.92%
-Fuji Bank and Trust Company (The)-10,000,000-38.65%
---
Series 1995-B---
Class A-Bank of New York (The)-$ 428,000,000-65.59%
-Deutsche Bank A.G., New York Branch-50,000,000-7.66%
-First Union National Bank-50,000,000-7.66%
-State Street Bank and Trust Company-76,500,000-11.72%
Class B-Chase Manhattan Bank-$   6,250,000-18.52%
-Citibank, N.A.-7,500,000-22.22%
-State Street Bank and Trust Company-20,000,000-59.26%
---
Series 1995-C---
Class A-Bank of New York (The)-$  35,980,000-7.19%
-Bankers Trust Company-38,405,000-7.68%
-Bank One Trust Company, N.A.-26,700,000-5.34%
-Boston Safe Deposit and Trust Company-72,463,000-14.49%
-Chase Manhattan Bank-47,200,000-9.44%
-Investors Fiduciary Trust Company/SSB-47,115,000-9.42%
-State Street Bank and Trust Company-100,620,000-20.11%
Class B-Bank One Trust Company, N.A.-$  25,875,000-100.00%
---
Series 1995-D---
Class A-Bank of New York (The)-$  31,575,000-7.26%
-Bankers Trust Company-21,800,000-5.01%
-Chase Manhattan Bank-121,590,000-27.95%
-Investors Fiduciary Trust Company/SSB-72,050,000-16.56%
-State Street Bank and Trust Company-43,005,000-9.89%
Class B-Bank One Trust Company, N.A.-$  22,500,000-100.00%
---
Series 1995-E---
Class A-Bank of New York (The)-$  71,225,000-16.37%
-Bankers Trust Company-65,000,000-14.94%
-Boston Safe Deposit and Trust Company-31,750,000-7.30%
-Chase Manhattan Bank-118,275,000-27.19%
-Citibank, N.A.-25,400,000-5.84%
-Merrill Lynch, Pierce Fenner & Smith Safekeeping-50,000,000-11.49%
-State Street Bank and Trust Company-24,250,000-5.57%
Class B-Citibank, N.A.-$  10,000,000-44.44%
-Bank One Trust Company, N.A.-12,500,000-55.56%
---
Series 1995-F---
Class A-Bank of New York (The)-$  55,330,001-12.16%
-Chase Manhattan Bank-44,993,000-9.89%
-Citibank, N.A. -32,230,001-7.08%
-Investors Bank & Trust/M.F. Custody-25,565,000-5.62%
-Merrill Lynch, Pierce Fenner & Smith Safekeeping-31,855,000-7.00%
-State Street Bank and Trust Company-77,802,000-17.10%
Class B-Chase Manhattan Bank-$  18,750,000-100.00%
---
Series 1995-I---
Class A-Bank of New York (The)-$ 95,815,000-14.68%
-Chase Manhattan Bank-220,919,000-33.86%
-Citibank, N.A. -35,050,000-5.37%
-Investors Fiduciary Trust Company/SSB-84,143,000-12.90%
-State Street Bank and Trust Company-121,813,000-18.67%
Class B-Bank of New York (The)-$  10,000,000-29.63%
-Citibank, N.A.-7,000,000-20.74%
-Bank One Trust Company, N.A.-16,750,000-49.63%
---
Series 1995-J---
Class A-Bankers Trust Company-$  72,000,000-16.55%
-Boston Safe Deposit and Trust Company-43,000,000-9.89%
-Chase Manhattan Bank-139,750,000-32.13%
-Chase Bank/Greenwich Capital-26,867,000-6.18%
-Fuji Bank and Trust Company (The)-25,000,000-5.75%
-State Street Bank and Trust Company-43,020,000-9.89%
-U.S. Bank National Association-  25,000,000-   5.75%
Class B-Bank One Trust Company, N.A.-  $  22,500,000-100.00%
---
Series 1996-A---
Class A-Bank of New York (The)-$ 214,900,000-35.29%
-Bankers Trust Company-35,000,000-5.75%
-Boston Safe Deposit and Trust Company-46,900,000-7.70%
-Chase Manhattan Bank-152,000,000-24.96%
-Merrill Lynch, Pierce Fenner & Smith Safekeeping-50,000,000-8.21%
Class B-Citibank, N.A.-$  15,000,000-47.62%
-Fuji Bank and Trust Company (The)-16,500,000-52.38%
---
Series 1996-B---
Class A-Bank of New York (The)-$  52,000,000-11.95%
-Boston Safe Deposit and Trust Company-88,330,000-20.31%
-Chase Bank of Texas, N.A.-23,000,000-5.29%
-Chase Manhattan Bank-58,000,000-13.33%
-Chase Manhattan Bank/FI-TRAC 2-30,500,000-7.01%
-Citibank, N.A.-40,000,000-9.20%
-Fuji Bank and Trust Company (The)-25,000,000-5.75%
-Norwest Bank Minnesota, National Association-31,170,000-7.17%
-State Street Bank and Trust Company-33,000,000-7.59%
-U.S. Bank National Association-24,000,000-5.52%
Class B-Boston Safe Deposit and Trust Company-$  22,500,000-100.00%
---
Series 1996-C---
Class A-Bank of New York (The)-$ 282,000,000-64.83%
-Citibank, N.A.-150,000,000-34.48%
Class B-Brown Brothers Harriman & Co.-$  2,000,000-8.89%
-LBI - Lehman Government Securites, Inc.-2,000,000-8.89%
-State Street Bank and Trust Company-18,500,000-82.22%
---
Series 1996-D---
Class A-Bank of New York (The)-$ 165,550,000-19.48%
-Chase Manhattan Bank-299,235,000-35.20%
-Deutsche Bank A.G., New York Branch-89,971,000-10.58%
-Merrill Lynch, Pierce Fenner & Smith Safekeeping-42,500,000-5.00%
-State Street Bank and Trust Company-148,314,000-17.45%
Class B-Bank of New York (The)-$  18,000,000-24.00%
-Citibank, N.A.-22,000,000-29.33%
-Deutsche Bank A.G., New York Branch-7,000,000-9.33%
-Harris Trust & Savings Bank-5,000,000-6.67%
-Investors Bank & Trust/M.F. Custody -16,000,000-21.33%
-State Street Bank and Trust Company-4,000,000-5.33%
---
Series 1996-E---
Class A-Bank of New York (The)-$  63,052,000-9.89%
-Chase Bank of Texas, N.A.-60,000,000-9.41%
-Chase Manhattan Bank-212,448,000-33.33%
-Citibank, N.A.-40,645,000-6.38%
-State Street Bank and Trust Company-197,185,000-30.93%
-Swiss American Securities Inc.-49,000,000-7.69%
Class B-Bankers Trust Company-$  28,450,000-50.58%
-Boston Safe Deposit and Trust Company-15,000,000-26.67%
-Chase Manhattan Bank-3,000,000-5.33%
-Citibank, N.A.-2,800,000-4.98%
-Harris Trust & Savings Bank-5,000,000-8.89%
---
Series 1996-G---
Class A-Banque National De Paris, New York Branch-$  45,000,000-10.59%
-Boston Safe Deposit and Trust Company-69,500,000-16.35%
-Chase Manhattan Bank-90,500,000-21.29%
-Citibank, N.A.-70,000,000-16.47%
-Harris Trust & Savings Bank-45,000,000-10.59%
-Merrill Lynch, Pierce Fenner & Smith Safekeeping-50,000,000-11.76%
-State Street Bank and Trust Company-35,000,000-8.24%
Class B-Bank of New York (The)-$   5,000,000-13.33%
-Bankers Trust Company-27,500,000-73.34%
-Chase Manhattan Bank-5,000,000-13.33%
---
Series 1996-H---
Class A-Bank of New York (The)-$ 141,520,000-13.87%
-Bankers Trust Company-108,325,000-10.62%
-Chase Manhattan Bank-121,480,000-11.91%
-Citibank, N.A.-104,100,000-10.21%
-Deutsche Bank A.G., New York Branch-93,000,000-9.12%
-Northern Trust Company (The)-67,185,000-6.59%
-State Street Bank and Trust Company-210,805,000-20.67%
Class B-Bank of New York (The)-$  31,550,000-35.06%
-Bankers Trust Company-37,400,000-41.56%
-Boston Safe Deposit and Trust Company-6,950,000-7.72%
-Citibank, N.A.-10,250,000-11.39%
---
Series 1996-J---
Class A-Bank of New York (The)-$ 52,805,000-6.21%
-Boston Safe Deposit and Trust Company-67,725,000-7.97%
-Chase Manhattan Bank-297,675,000-35.02%
-Chase Bank/Greenwich Capital-97,350,000-11.45%
-Citibank, N.A.-63,895,000-7.52%
-State Street Bank and Trust Company-185,177,000-21.79%
Class B-Chase Manhattan Bank-$  50,000,000-66.67%
-Boston Safe Deposit and Trust Company-25,000,000-33.33%
---
Series 1996-K---
Class A-Bank of New York (The)-$  46,290,000-5.45%
-Boston Safe Deposit and Trust Company-266,846,000-31.39%
-Chase Manhattan Bank-109,000,000-12.82%
-Citibank, N.A.-225,000,000-26.47%
-HSBC Bank USA/Treasury Investment-44,375,000-5.22%
-State Street Bank and Trust Company-76,879,000-9.04%
Class B-Bank of New York (The)-$  25,000,000-33.33%
-Chase Manhattan Bank-50,000,000-66.67%
---
Series 1996-M---
Class A-Bankers Trust Company-$  34,500,000-8.12%
-Boston Safe Deposit and Trust Company-51,000,000-12.00%
-Chase Manhattan Bank-114,650,000-26.98%
-Citibank, N.A.-75,300,000-17.72%
-Deutsche Bank A.G., New York Branch-46,000,000-10.82%
-Norwest Bank Minnesota, National Association-30,850,000-7.26%
-State Street Bank and Trust Company-34,000,000-8.00%
Class B-Bank of New York (The)-$  27,000,000-72.00%
-Chase Manhattan Bank-10,500,000-28.00%
---
Series 1997-B---
Class A-Bank of New York (The)-$ 126,500,000-14.88%
-Chase Bank of Texas, N.A.-362,780,000-42.68%
-Chase Manhattan Bank-145,600,000-17.13%
-Chase Manhattan Bank Correspondence Clearing Services-68,520,000-8.06%
-Merrill Lynch, Pierce Fenner & Smith Safekeeping-46,200,000- 5.44%
-State Street Bank and Trust Company-55,850,000-6.57%
Class B-Bank of New York (The)-$  10,000,000-13.33%
-Chase Manhattan Bank-65,000,000-86.67%
---
Series 1997-C---
Class A-Bankers Trust Company-$  51,000,000- 8.00%
-Boston Safe Deposit and Trust Company-75,000,000-11.76%
-Chase Manhattan Bank-146,290,000-22.95%
-Citibank, N.A.-215,210,000-33.76%
-State Street Bank and Trust Company-96,000,000-15.06%
Class B-Bankers Trust Company-$  14,250,000-25.33%
-Boston Safe Deposit and Trust Company-37,000,000-65.78%
-Bank One Trust Company, N.A.-5,000,000-8.89%
---
Series 1997-E---
Class A-Bank of New York (The)-$  50,000,000-7.84%
-Bankers Trust Company-  115,000,000-18.04%
-Boston Safe Deposit and Trust Company-75,000,000-11.76%
-Chase Manhattan Bank-38,000,000- 5.96%
-Citibank, N.A.-76,400,000-11.98%
-Norwest Bank Minnesota, National Association-35,000,000-5.49%
-State Street Bank and Trust Company-240,350,000-37.70%
Class B-Brown Brothers Harriman & Co.-$   5,000,000-8.89%
-Chase Manhattan Bank-12,000,000-21.33%
-Bank One Trust Company, N.A.-15,000,000-26.67%
-Boston Safe Deposit and Trust Company-19,250,000-34.22%
-State Street Bank and Trust Company-5,000,000-8.89%
---
Series 1997-F---
Class A-Bank of New York (The)-$  48,800,000-8.13%
-Bankers Trust Company-239,860,000-39.98%
-Boston Safe Deposit and Trust Company-38,535,000-6.42%
-Chase Manhattan Bank-37,130,000-6.19%
-Northern Trust Company (The)-52,990,000-8.83%
-State Street Bank and Trust Company-40,425,000-6.74%
Class B-Bankers Trust Company-$  13,000,000-24.53%
-Boston Safe Deposit and Trust Company-10,000,000-18.87%
-Chase Manhattan Bank-20,000,000-37.74%
-Bank One Trust Company, N.A.-10,000,000-18.87%
---
Series 1997-I---
Class A-Bank of New York (The)-$ 103,005,000-16.16%
-Bankers Trust Company- 119,800,000-18.79%
-Boston Safe Deposit and Trust Company- 54,095,000-8.49%
-Chase Manhattan Bank-81,400,000-12.77%
-Fifth Third Bank/State Teachers Retirement of Ohio-35,070,000-5.50%
-State Street Bank and Trust Company-33,048,000-5.18%
Class B-Chase Manhattan Bank-$   34,250,000-60.89%
-Citibank, N.A.- 7,000,000-12.44%
-State Street Bank and Trust Company-15,000,000-26.67%
---
Series 1997-J---
Class A-The Bank of New York/Barclays De Zoete Wedd Securities-$
70,000,000-10.98%
-Brown Brothers Harriman & Co.-60,000,000-9.41%
-Chase Manhattan Bank-83,000,000-13.02%
-Citibank, N.A.-32,950,000-5.17%
-HSBC Bank USA/Treasury Investment-50,000,000-7.84%
-Morgan Stanley & Co. Incorporated-34,000,000-5.33%
-State Street Bank and Trust Company-220,000,000-34.51%
Class B-Bankers Trust Company-$  15,000,000-26.67%
-Citibank, N.A.- 5,000,000- 8.89%
-Boston Safe Deposit and Trust Company-36,250,000-64.44%
---
Series 1997-K---
Class A-SSB - Trust Custody-$ 599,500,000-94.04%
Class B-Bankers Trust Company-$  15,000,000-26.67%
-Chase Manhattan Bank-20,250,000-35.99%
-Citibank, N.A.-6,000,000-10.67%
-State Street Bank and Trust Company-15,000,000-26.67%
---
Series 1997-M---
Class A-Bankers Trust Company-$ 143,410,000-22.50%
-Chase Manhattan Bank-148,300,000-23.26%
-Harris Trust & Savings Bank-50,000,000-7.84%
-State Street Bank and Trust Company-235,095,000-36.88%
Class B-Boston Safe Deposit and Trust Company-$ 6,250,000-11.11%
-Chase Manhattan Bank-50,000,000-88.89%
---
Series 1997-N---
Class A-Bank of New York (The)-$ 38,475,000-5.03%
-Bankers Trust Company-77,845,000-10.18%
-Boston Safe Deposit and Trust Company-188,290,000- 24.61%
-Chase Manhattan Bank-43,250,000-5.65%
-Citibank, N.A.-150,000,000-19.61%
-State Street Bank and Trust Company-196,365,000-25.67%
Class B-Bank of New York (The)-$  20,000,000-29.63%
-Chase Manhattan Bank-25,000,000-37.04%
-Harris Trust & Savings Bank-21,500,000-31.85%
---
Series 1998-A---
Class A-Bankers Trust Company-$  125,000,000- 19.61%
-Chase Manhattan Bank-44,185,000-6.93%
-Citibank, N.A.-32,000,000- 5.02%
-First Union National Bank-48,600,000- 7.62%
-State Street Bank and Trust Company-257,370,000-40.37%
Class B-Chase Manhattan Bank-$  56,250,000-100.00%
---
Series 1998-C---
Class A-Bankers Trust Company-$  95,000,000- 14.90%
-Chase Manhattan Bank-164,500,000-25.80%
-State Street Bank and Trust Company-312,300,000-48.99%
Class B-Chase Manhattan Bank-$   44,750,000- 79.56%
-Citibank, N.A.-4,000,000-7.11%
-State Street Bank and Trust Company-7,500,000-13.33%
---
Series 1998-D---
Class A-Bank of New York (The)-$  34,176,000-7.19%
-Bankers Trust Company-125,926,000-26.51%
-Bank One Trust Company N.A./Public Employee Retirement-100,000,000-
21.05%
-Boston Safe Deposit and Trust Company-36,251,000-7.63%
-Citibank, N.A.-51,180,000-10.77%
-State Street Bank and Trust Company-31,262,000- 6.58%
Class B-Bank of New York (The)-$   10,000,000- 23.81%
-Chase Manhattan Bank-22,000,000-52.38%
-Fuji Bank and Trust Company (The)-10,000,000-23.81%
---
Series 1998-E---
Class A-State Street Bank and Trust Company-$ 750,000,000-100.00%
Class B-Bankers Trust Company-$  66,200,000-100.00%
---
Series 1998-F---
Class A-Bankers Trust Company-$ 50,000,000-11.76%
-Bank One Trust Co. N.A./Corporate Trust- 25,000,000-5.88%
-Boston Safe Deposit and Trust Company-88,000,000-20.71%
-Chase Manhattan Bank- 75,000,000-17.65%
-Chase Manhattan Bank/FI-TRAC 2-39,000,000-9.18%
-Citibank, N.A.-31,800,000-7.48%
-Norwest Bank Minnesota, National Association-29,200,000-6.87%
-State Street Bank and Trust Company-83,000,000-19.53%
Class B-State Street Bank and Trust Company-$  37,500,000-100.00%
---
Series 1998-G---
Class A-SSB-Trust Custody -$ 637,500,000-100.00%
Class B-Bankers Trust Company-$  46,250,000-82.22%
-Bank One Trust Company, N.A.-10,000,000-17.78%
---
Series 1998-I---
Class A-Bank of New York (The)-$ 202,000,000-31.69%
-Chase Manhattan Bank- 77,370,000-12.14%
-Citibank, N.A.- 53,970,000-8.47%
-Fuji Bank and Trust Company (The)-50,000,000-7.84%
-Northern Trust Company (The)-53,060,000-8.32%
-State Street Bank and Trust Company -132,555,000-20.79%
Class B-Citibank, N.A.-$  12,500,000-22.22%
-Fuji Bank and Trust Company (The)- 25,000,000-44.44%
-Harris Trust & Savings Bank- 3,000,000-5.33%
-SSB - Bank Portfolio-15,750,000-28.00%
---
Series 1998-J---
Class A-Bank of New York (The)-$  110,914,000- 16.81%
-Bankers Trust Company-  49,744,000- 7.54%
-Bank One Trust Company N.A./Public Employee Retirement-74,610,000-
11.30%
-Boston Safe Deposit and Trust Company-101,607,000- 15.40%
-Chase Manhattan Bank-44,395,000-  6.73%
-Northern Trust Company (The)-  40,973,000-  6.21%
-State Street Bank and Trust Company - 111,911,000-16.96%
Class B-Boston Safe Deposit and Trust Company-$  10,000,000- 22.22%
-Chase Manhattan Bank-  25,000,000- 55.56%
-State Street Bank and Trust Company -  10,000,000- 22.22%
---
Series 1999-A---
Class A-Bank of New York (The)-$  23,160,000- 5.45%
-Bankers Trust Company-  25,000,000- 5.88%
-Boston Safe Deposit and Trust Company-85,000,000- 20.00%
-Chase Manhattan Bank-80,500,000-  18.94%
-State Street Bank and Trust Company-  150,840,000-  35.49%
-Swiss American Securities Inc.-25,000,000-5.88%
Class B-Bankers Trust Company-$  33,850,000- 90.27%
-Boston Safe Deposit and Trust Company-  2,900,000- 7.73%
---
Series 1999-B---
Class A-Bank of New York (The)-$  87,965,000-13.80%
-Bankers Trust Company-37,355,000-5.86%
-Boston Safe Deposit and Trust Company-48,340,000- 7.58%
-Chase Manhattan Bank-55,101,000-  8.64%
-Investors Fiduciary Trust Company/SSB-  101,300,000-15.89%
-State Street Bank and Trust Company-165,693,000-25.99%
Class B-Bank of New York (The)-$  10,000,000-17.78%
-Bankers Trust Company-5,000,000-8.89%
-Chase Manhattan Bank-21,250,000-37.78%
-Salomon Smith Barney Inc./Salomon Brothers-10,000,000-17.78%
-State Street Bank and Trust Company-  10,000,000- 17.78%
---
Series 1999-D---
Class A-Bank of New York (The)-$  47,900,000-11.27%
-Boston Safe Deposit and Trust Company-85,000,000-20.00%
-Chase Manhattan Bank-50,700,000-11.93%
-Citibank, N.A.-50,000,000-11.76%
-Norwest Bank Minnesota, National Association-37,000,000-8.71%
-Salomon Smith Barney Inc./Salomon Brothers-41,300,000-9.72%
-State Street Bank and Trust Company-75,000,000-17.65%
-U.S. Bank National Association-30,000,000-7.06%
Class B-Chase Manhattan Bank-$  36,000,000-96.00%
---
Series 1999-E---
Class A-Bank of New York (The)-$  101,000,000-11.88%
-Bankers Trust Company-82,000,000-9.65%
-Boston Safe Deposit and Trust Company-209,000,000-24.59%
-Chase Manhattan Bank-157,000,000-18.47%
-Deutsche Bank A.G., New York Branch-50,000,000-5.88%
-Northern Trust Company (The)-141,000,000-16.59%
-State Street Bank and Trust Company-106,000,000-12.47%
Class B-Bank of New York (The)-$  13,275,000-17.70%
-Bankers Trust Company-26,000,000-34.67%
-Boston Safe Deposit and Trust Company-30,325,000-40.43%
---
Series 1999-G---
Class A-Bank of New York (The)-$  32,955,000-5.17%
-Bankers Trust Company-141,980,000-22.27%
-Bank One Trust Company N.A./Public Employee Retirement-40,000,000-6.27%
-Boston Safe Deposit and Trust Company-38,175,000-5.99%
-Chase Manhattan Bank-49,225,000-7.72%
-Northern Trust Company (The)-38,170,000-5.99%
-State Street Bank and Trust Company-141,455,000-22.19%
-Suntrust Bank/Safekeeping Custodian For STES-34,915,000-5.48%
Class B-Chase Manhattan Bank-$  13,175,000-23.42%
-Investors Bank & Trust/M.F. Custody-4,050,000-7.20%
-Northern Trust Company (The)-6,050,000-10.76%
-State Street Bank and Trust Company-13,225,000-23.51%
-Wells Fargo Bank, National Association-6,885,000-12.24%
---
Series 1999-H---
Class A-Chase Manhattan Bank-$  328,000,000-38.59%
-Citibank, N.A.-240,000,000-28.24%
-State Street Bank and Trust Company-173,500,000-20.41%
-Swiss American Securities Inc.-50,000,000-5.88%
Class B-Bankers Trust Company-$  15,500,000-20.67%
-Bank of Tokyo-Mitsubishi Trust Company-15,000,000-20.00%
-Chase Manhattan Bank-18,500,000-24.67%
-Fuji Bank and Trust Company (The)-20,000,000-26.67%
---
Series 1999-I---
Class A-Bank of New York (The)-$  60,676,000-9.52%
-Bankers Trust Company-35,261,000-5.53%
-Boston Safe Deposit and Trust Company-113,803,000-17.85%
-Chase Manhattan Bank-130,665,000-20.50%
-Citibank, N.A.-46,750,000-7.33%
-Northern Trust Company (The)-45,522,000-7.14%
-SSB - Trust Custody-46,125,000-7.24%
-State Street Bank and Trust Company-55,497,000-8.71%
Class B-Bank of Tokyo-Mitsubishi Trust Company-$  20,000,000-35.56%
-Chase Manhattan Bank-8,070,000-14.35%
-FUNB - Phila. Main-26,200,000-46.58%
---
Series 1999-J---
Class A-Bank of New York (The)-$  115,564,000-13.60%
-Bankers Trust Company-66,370,000-7.81%
-Boston Safe Deposit and Trust Company-57,968,000-6.82%
-Chase Manhattan Bank-50,755,000-5.97%
-LBI - Lehman Government Securites Inc. (LBI)-167,759,000-19.74%
-Northern Trust Company (The)-83,693,000-9.85%
-State Street Bank and Trust Company-209,592,000-24.66%
Class B-Bank of New York (The)-$  12,735,000-16.98%
-Boston Safe Deposit and Trust Company-8,000,000-10.67%
-Chase Manhattan Bank-26,250,000-35.00%
-Huntington National Bank-5,350,000-7.13%
-State Street Bank and Trust Company-15,000,000-20.00%
---
Series 1999-L---
Class A-Bank of New York (The)-$  55,000,000-8.63%
-Boston Safe Deposit and Trust Company-182,000,000-28.55%
-Chase Manhattan Bank-58,470,000-9.17%
-Morgan Stanley & Co. Incorporated-85,000,000-13.33%
-State Street Bank and Trust Company-55,000,000-8.63%
-Swiss American Securities Inc.-112,500,000-17.65%
Class B-Bankers Trust Company-$  36,250,000-64.44%
-Fuji Bank and Trust Company (The)-20,000,000-35.56%
---
Series 1999-M---
Class A-Bank of New York (The)-$  82,250,000- 19.35%
-Boston Safe Deposit and Trust Company-34,940,000- 8.22%
-Chase Manhattan Bank-  28,000,000- 6.59%
-State Street Bank and Trust Company-  70,041,000-  16.48%
-Suntrust Bank/Safekeeping Custodian for STES-  143,000,000-  33.65%
Class B-Chase Manhattan Bank-$  10,000,000- 26.67%
-Deutsche Bank Securities Inc.-20,000,000-53.33%
-Wells Fargo Bank, National Association-7,500,000-20.00%


</TABLE>
The address of each of the above participants is:

                         C/O  The Depository Trust Company
                              55 Water Street
                              New York, NY  10041


     (b)  Not Applicable

     (c)  Not Applicable




Item 13.  Certain Relationships and Related Transactions
--------  ----------------------------------------------

          None


                                     PART IV
                                     -------

Item 14.  Exhibits, Financial Statement Schedules, And Reports On Form
8-K
--------  --------------------------------------------------------------
--


(a)  The following documents are filed as part of this Report:

     3.   Exhibits:

99.01 Annual Accountant's report dated August 10, 1999 with respect to
Series 1994-C, Series 1995-A, Series 1995-B, Series 1995-C, Series
1995-D, Series 1995-E, Series 1995-F, Series 1995-I, Series 1995-
J, Series 1996-A, Series 1996-B, Series 1996-C, Series 1996-D,
Series 1996-E, Series 1996-G, Series 1996-H, Series 1996-J, Series
1996-K, Series 1996-M, Series 1997-B, Series 1997-C, Series 1997-
E, Series 1997-F, Series 1997-I, Series 1997-J, Series 1997-K,
Series 1997-M, Series 1997-N,Series 1998-A, Series 1998-C, Series
1998-D, Series 1998-E, Series 1998-F, Series 1998-G, Series 1998-
I, Series 1998-J, Series 1999-A, Series 1999-B, and Series 1999-D.

The Annual Accountant's report with respect to Series 1999-E,
Series 1999-G, Series 1999-H, Series 1999-I, Series 1999-J, Series
1999-L, and Series 1999-M is not required until August 31, 2000.

99.02 Annual Servicer's Certificate dated August 30, 1999 with respect to
Series  1994-C, Series 1995-A, Series 1995-B, Series 1995-C,
Series 1995-D, Series 1995-E, Series 1995-F, Series 1995-I, Series
1995-J, Series 1996-A, Series 1996-B, Series 1996-C, Series 1996-
D, Series 1996-E, Series 1996-G, Series 1996-H, Series 1996-J,
Series 1996-K, Series 1996-M, Series 1997-B, Series 1997-C, Series
1997-E, Series 1997-F, Series 1997-I, Series 1997-J, Series 1997-
K, Series 1997-M, Series 1997-N,Series 1998-A, Series 1998-C,
Series 1998-D, Series 1998-E, Series 1998-F, Series 1998-G, Series
1998-I, Series 1998-J, Series 1999-A, Series 1999-B, and Series
1999-D.

The Annual Servicer's Certificate with respect to Series 1999-E,
Series 1999-G, Series 1999-H, Series 1999-I, Series 1999-J, Series
1999-L, and Series 1999-M is not required until August 31, 2000.



(b)   Three reports on Form 8-K were filed by the registrant for each
month during the quarter ended December 31, 1999.  These reports
filed on October 14, 1999, November 12, 1999, and December 14, 1999,
included the following:


         Item 2.  Acquisition or Disposition of Assets

         Item 5.  Other Events

         Item 7.  Financial Statements, Pro Forma Financial
                  Information and Exhibits

(c)  See item 14(a) (3) above.




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.


                                    MBNA America Bank, National
Association
                                    As originator of Trust Registrant



Date:  March 27, 2000               By: /s/  Jack Fioravanti
                                       -------------------------------
                                             Jack Fioravanti
                                             Senior Vice President