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=


                                   FORM 8-K

                      SECURITIES AND EXCHANGE COMMISSION

                            WASHINGTON, D.C. 20529

                                CURRENT REPORT



Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.

Date of Report:     December 14, 1999


                   MBNA AMERICA BANK, NATIONAL ASSOCIATION
                               ON BEHALF OF THE
                        MBNA MASTER CREDIT CARD TRUST
            (Exact name of registrant as specified in its charter)



                                   33-64244
  United States                                                51-0331454
-----------------        -----------------------------       --------------
(State or other               (Commission File               (IRS Employer
 jurisdiction of                    Number)               Identification No.)
 incorporation)



                              Wilmington, DE. 19884-0781
-----------------------------------------------------------------------------
-
                   (Address of principal executive office)



Registrant's telephone number, including area code  (800) 362-6255.
                                                    ---------------

<PAGE>
ITEM 5. OTHER EVENTS

On December 16, 1999 the MBNA Master Credit Card Trust Series 1994-2 (the
"Series") will be terminated in accordance with the provisions of Section 10
of the Series 1994-2 Supplement dated as of May 26, 1994, to the Pooling and
Servicing Agreement dated as of September 25, 1991 (the "Pooling and
Servicing Agreement") and subsection 12.03 of the Pooling and Servicing
Agreement. Final Payment will be made on the Series certificates after
presentation and surrender of the Series certificates at the offices of
Bankers Trust Company, as the Trustee. Upon payment of the Series 1994-2
certificates there are no further outstanding certificates remaining in the
Trust. Therefore, on December 16, 1999, the MBNA Master Credit Card Trust
will also terminate.




ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION, AND EXHIBITS


     The following are filed as Exhibits to this Report under Exhibit 20:





      20.1.  Series 1994-2 (File No. 33-64244) Certificateholders'Statement
for the month ended November 30, 1999.


<PAGE>


ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION, AND EXHIBITS


     The following are filed as Exhibits to this Report under Exhibit 99:






     99.1.  Series 1994-2 (File No. 33-64244) Key Performance Factors for the
month ended November 30, 1999.



                                  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.


Dated:     December 14, 1999


                               MBNA AMERICA BANK, NATIONAL ASSOCIATION



                                By:         /s/Jack Fioravanti
                                   ----------------------------------
                                Name:       Jack Fioravanti
                                Title: 	  Senior Vice President
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=

                                   FORM 8-K

                      SECURITIES AND EXCHANGE COMMISSION

                            WASHINGTON, D.C. 20529

                                CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.

Date of Report:     December 14, 1999

                   MBNA AMERICA BANK, NATIONAL ASSOCIATION
                               ON BEHALF OF THE
                        MBNA MASTER CREDIT CARD TRUST
            (Exact name of registrant as specified in its charter)

                                   33-64244
  United States                                                51-0331454
-----------------        -----------------------------       --------------
(State or other               (Commission File               (IRS Employer
 jurisdiction of                    Number)               Identification No.)
 incorporation)

                              Wilmington, DE. 19884-0781
-----------------------------------------------------------------------------
-
                   (Address of principal executive office)

Registrant's telephone number, including area code  (800) 362-6255.
                                                    ---------------
ITEM 5. OTHER EVENTS

On December 16, 1999 the MBNA Master Credit Card Trust Series 1994-2 (the
"Series") will be terminated in accordance with the provisions of Section 10
of the Series 1994-2 Supplement dated as of May 26, 1994, to the Pooling and
Servicing Agreement dated as of September 25, 1991 (the "Pooling and
Servicing Agreement") and subsection 12.03 of the Pooling and Servicing
Agreement. Final Payment will be made on the Series certificates after
presentation and surrender of the Series certificates at the offices of
Bankers Trust Company, as the Trustee. Upon payment of the Series 1994-2
certificates there are no further outstanding certificates remaining in the
Trust. Therefore, on December 16, 1999, the MBNA Master Credit Card Trust
will also terminate.

ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION, AND EXHIBITS

     The following are filed as Exhibits to this Report under Exhibit 20:

      20.1.  Series 1994-2 (File No. 33-64244) Certificateholders'Statement
for the month ended November 30, 1999.
ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION, AND EXHIBITS

     The following are filed as Exhibits to this Report under Exhibit 99:

     99.1.  Series 1994-2 (File No. 33-64244) Key Performance Factors for the
month ended November 30, 1999.

                                  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.

Dated:     December 14, 1999

                               MBNA AMERICA BANK, NATIONAL ASSOCIATION

                                By:         /s/Jack Fioravanti
                                   ----------------------------------
                                Name:       Jack Fioravanti
                                Title: 	  Senior Vice President