==============================================================================


                                   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:     April 14, 1997


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


                          33-41850, 33-47934, 33-49850,
                          33-54462, 33-57988, 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 April 16, 1997, the MBNA Master Credit Card Trust Series 1991-1 (the   
"Series") will be terminated in accordance with the provisions of Section 10   
of the Series 1991-1 Supplement dated as of September 25, 1991 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.  

ITEM 5.   OTHER EVENTS

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

     20.1.  Series 1991-1 (File No. 33-41850) Certificateholders'Statement for 
the month ended March 31, 1997.

     20.2.  Series 1992-1 (File No. 33-47934) Certificateholders'Statement for 
the month ended March 31, 1997.

     20.3.  Series 1992-2 (File No. 33-49850) Certificateholders'Statement for 
the month ended March 31, 1997.

     20.4.  Series 1992-3 (File No. 33-54462) Certificateholders'Statement for 
the month ended March 31, 1997.

     20.5.  Series 1993-1 (File No. 33-57988) Certificateholders'Statement for 
the month ended March 31, 1997.

     20.6.  Series 1993-3 (File No. 33-64244) Certificateholders'Statement for 
the month ended March 31, 1997.

     20.7.  Series 1993-4 (File No. 33-64244) Certificateholders'Statement for 
the month ended March 31, 1997.

     20.8.  Series 1994-1 (File No. 33-64244) Certificateholders'Statement for 
the month ended March 31, 1997.

    20.9.  Series 1994-2 (File No. 33-64244) Certificateholders'Statement for 
the month ended March 31, 1997.


<PAGE>


ITEM 5.   OTHER EVENTS


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

     99.1.  Series 1991-1 (File No. 33-41850) Key Performance Factors for the  
month ended March 31, 1997.
   
     99.2.  Series 1992-1 (File No. 33-47934) Key Performance Factors for the 
month ended March 31, 1997.

     99.3.  Series 1992-2 (File No. 33-49850) Key Performance Factors for the 
month ended March 31, 1997.

     99.4.  Series 1992-3 (File No. 33-54462) Key Performance Factors for the 
month ended March 31, 1997.

     99.5.  Series 1993-1 (File No. 33-57988) Key Performance Factors for the 
month ended March 31, 1997.

     99.6.  Series 1993-3 (File No. 33-64244) Key Performance Factors for the 
month ended March 31, 1997.

     99.7.  Series 1993-4 (File No. 33-64244) Key Performance Factors for the 
month ended March 31, 1997.

     99.8.  Series 1994-1 (File No. 33-64244) Key Performance Factors for the 
month ended March 31, 1997.

    99.9.  Series 1994-2 (File No. 33-64244) Key Performance Factors for the 
month ended March 31, 1997.



                                  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:     April 14, 1997


                               MBNA AMERICA BANK, NATIONAL ASSOCIATION



                                By:         Marguerite M. Boylan
                                   ----------------------------------
                                Name:       Marguerite M. Boylan
                                Title:      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:     April 14, 1997

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

                          33-41850, 33-47934, 33-49850,
                          33-54462, 33-57988, 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 April 16, 1997, the MBNA Master Credit Card Trust Series 1991-1 (the   
"Series") will be terminated in accordance with the provisions of Section 10   
of the Series 1991-1 Supplement dated as of September 25, 1991 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.  

ITEM 5.   OTHER EVENTS

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

     20.1.  Series 1991-1 (File No. 33-41850) Certificateholders'Statement for 
the month ended March 31, 1997.

     20.2.  Series 1992-1 (File No. 33-47934) Certificateholders'Statement for 
the month ended March 31, 1997.

     20.3.  Series 1992-2 (File No. 33-49850) Certificateholders'Statement for 
the month ended March 31, 1997.

     20.4.  Series 1992-3 (File No. 33-54462) Certificateholders'Statement for 
the month ended March 31, 1997.

     20.5.  Series 1993-1 (File No. 33-57988) Certificateholders'Statement for 
the month ended March 31, 1997.

     20.6.  Series 1993-3 (File No. 33-64244) Certificateholders'Statement for 
the month ended March 31, 1997.

     20.7.  Series 1993-4 (File No. 33-64244) Certificateholders'Statement for 
the month ended March 31, 1997.

     20.8.  Series 1994-1 (File No. 33-64244) Certificateholders'Statement for 
the month ended March 31, 1997.

    20.9.  Series 1994-2 (File No. 33-64244) Certificateholders'Statement for 
the month ended March 31, 1997.
ITEM 5.   OTHER EVENTS

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

     99.1.  Series 1991-1 (File No. 33-41850) Key Performance Factors for the  
month ended March 31, 1997.
   
     99.2.  Series 1992-1 (File No. 33-47934) Key Performance Factors for the 
month ended March 31, 1997.

     99.3.  Series 1992-2 (File No. 33-49850) Key Performance Factors for the 
month ended March 31, 1997.

     99.4.  Series 1992-3 (File No. 33-54462) Key Performance Factors for the 
month ended March 31, 1997.

     99.5.  Series 1993-1 (File No. 33-57988) Key Performance Factors for the 
month ended March 31, 1997.

     99.6.  Series 1993-3 (File No. 33-64244) Key Performance Factors for the 
month ended March 31, 1997.

     99.7.  Series 1993-4 (File No. 33-64244) Key Performance Factors for the 
month ended March 31, 1997.

     99.8.  Series 1994-1 (File No. 33-64244) Key Performance Factors for the 
month ended March 31, 1997.

    99.9.  Series 1994-2 (File No. 33-64244) Key Performance Factors for the 
month ended March 31, 1997.

                                  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:     April 14, 1997

                               MBNA AMERICA BANK, NATIONAL ASSOCIATION

                                By:         Marguerite M. Boylan
                                   ----------------------------------
                                Name:       Marguerite M. Boylan
                                Title:      Vice President