============================================================================== 
 
 
                                   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:     October 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) 
 
 
                               33-47934, 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 
 
 
     The following are filed as Exhibits to this Report under Exhibit 20: 
 
     20.1.  Series 1992-1 (File No. 33-47934) Certificateholders'Statement for  
the month ended September 30, 1997. 
 
     20.2.  Series 1992-2 (File No. 33-49850) Certificateholders'Statement for  
the month ended September 30, 1997. 
 
     20.3.  Series 1992-3 (File No. 33-54462) Certificateholders'Statement for  
the month ended September 30, 1997. 
 
     20.4.  Series 1993-1 (File No. 33-57988) Certificateholders'Statement for  
the month ended September 30, 1997. 
 
     20.5.  Series 1993-3 (File No. 33-64244) Certificateholders'Statement for  
the month ended September 30, 1997. 
 
     20.6.  Series 1993-4 (File No. 33-64244) Certificateholders'Statement for  
the month ended September 30, 1997. 
 
     20.7.  Series 1994-1 (File No. 33-64244) Certificateholders'Statement for  
the month ended September 30, 1997. 
 
    20.8.  Series 1994-2 (File No. 33-64244) Certificateholders'Statement for  
the month ended September 30, 1997. 
 
 
<PAGE> 
 
 
ITEM 5.   OTHER EVENTS 
 
 
     The following are filed as Exhibits to this Report under Exhibit 99: 
 
     99.1.  Series 1992-1 (File No. 33-47934) Key Performance Factors for the  
month ended September 30, 1997. 
 
     99.2.  Series 1992-2 (File No. 33-49850) Key Performance Factors for the  
month ended September 30, 1997. 
 
     99.3.  Series 1992-3 (File No. 33-54462) Key Performance Factors for the  
month ended September 30, 1997. 
 
     99.4.  Series 1993-1 (File No. 33-57988) Key Performance Factors for the  
month ended September 30, 1997. 
 
     99.5.  Series 1993-3 (File No. 33-64244) Key Performance Factors for the  
month ended September 30, 1997. 
 
     99.6.  Series 1993-4 (File No. 33-64244) Key Performance Factors for the  
month ended September 30, 1997. 
 
     99.7.  Series 1994-1 (File No. 33-64244) Key Performance Factors for the  
month ended September 30, 1997. 
 
    99.8.  Series 1994-2 (File No. 33-64244) Key Performance Factors for the  
month ended September 30, 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:     October 14, 1997 
 
 
                               MBNA AMERICA BANK, NATIONAL ASSOCIATION 
 
 
 
                                By:         Marguerite M. Boylan 
                                   ---------------------------------- 
                                Name:       Marguerite M. Boylan 
                                Title:      First 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:     October 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) 
 
 
                               33-47934, 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 
 
 
     The following are filed as Exhibits to this Report under Exhibit 20: 
 
     20.1.  Series 1992-1 (File No. 33-47934) Certificateholders'Statement for  
the month ended September 30, 1997. 
 
     20.2.  Series 1992-2 (File No. 33-49850) Certificateholders'Statement for  
the month ended September 30, 1997. 
 
     20.3.  Series 1992-3 (File No. 33-54462) Certificateholders'Statement for  
the month ended September 30, 1997. 
 
     20.4.  Series 1993-1 (File No. 33-57988) Certificateholders'Statement for  
the month ended September 30, 1997. 
 
     20.5.  Series 1993-3 (File No. 33-64244) Certificateholders'Statement for  
the month ended September 30, 1997. 
 
     20.6.  Series 1993-4 (File No. 33-64244) Certificateholders'Statement for  
the month ended September 30, 1997. 
 
     20.7.  Series 1994-1 (File No. 33-64244) Certificateholders'Statement for  
the month ended September 30, 1997. 
 
    20.8.  Series 1994-2 (File No. 33-64244) Certificateholders'Statement for  
the month ended September 30, 1997.
ITEM 5.   OTHER EVENTS 
 
 
     The following are filed as Exhibits to this Report under Exhibit 99: 
 
     99.1.  Series 1992-1 (File No. 33-47934) Key Performance Factors for the  
month ended September 30, 1997. 
 
     99.2.  Series 1992-2 (File No. 33-49850) Key Performance Factors for the  
month ended September 30, 1997. 
 
     99.3.  Series 1992-3 (File No. 33-54462) Key Performance Factors for the  
month ended September 30, 1997. 
 
     99.4.  Series 1993-1 (File No. 33-57988) Key Performance Factors for the  
month ended September 30, 1997. 
 
     99.5.  Series 1993-3 (File No. 33-64244) Key Performance Factors for the  
month ended September 30, 1997. 
 
     99.6.  Series 1993-4 (File No. 33-64244) Key Performance Factors for the  
month ended September 30, 1997. 
 
     99.7.  Series 1994-1 (File No. 33-64244) Key Performance Factors for the  
month ended September 30, 1997. 
 
    99.8.  Series 1994-2 (File No. 33-64244) Key Performance Factors for the  
month ended September 30, 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:     October 14, 1997 
 
 
                               MBNA AMERICA BANK, NATIONAL ASSOCIATION 
 
 
 
                                By:         Marguerite M. Boylan 
                                   ---------------------------------- 
                                Name:       Marguerite M. Boylan 
                                Title:      First Vice President