UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549

                                    FORM 8-K

                                 CURRENT REPORT
     PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934

                                February 18, 2003
--------------------------------------------------------------------------------
                Date of Report (Date of earliest event reported)



                        Capital One Financial Corporation
--------------------------------------------------------------------------------
             (Exact name of registrant as specified in its chapter)



          Delaware                     1-13300                  54-1719854
----------------------------      -------------------      ---------------------
(State or other jurisdiction         (Commission               (IRS Employer
      of incorporation)               File Number)           Identification No.)



        1680 Capital One Drive,
            McLean, Virginia                                       22102
--------------------------------------------               ---------------------
  (Address of principal executive offices)                       (Zip Code)



       Registrant's telephone number, including area code:(703) 720-1000



       2980 Fairview Park Drive, Suite 1300, Falls Church, Virginia, 22042
--------------------------------------------------------------------------------
          (Former name or former address, if changed since last report)


<page>


Item 5.  Other Events.
         ------------

         (a)      Change of Address of Principal Executive Offices

Effective as of today, February 18, 2003, the address of Capital One Financial
Corporation's principal executive offices is:

                        Capital One Financial Corporation
                             1680 Capital One Drive
                                McLean, VA 22102
                            Telephone: (703) 720-1000


                                       2


<page>


                                    SIGNATURE

         Pursuant to the requirements of the Securities Exchange Act of 1934,
the Company has duly caused this Current Report on Form 8-K to be signed on its
behalf by the undersigned, thereto duly authorized.

                                              CAPITAL ONE FINANCIAL CORPORATION

         Dated: February 14, 2003             By: /s/ John G. Finneran, Jr.
                                                  -----------------------------
                                                  John G. Finneran, Jr.
                                                  Executive Vice President,
                                                  General Counsel and Corporate
                                                  Secretary


                                       3
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{"company-data": {"conformed-name": "CAPITAL ONE FINANCIAL CORP", "cik": "0000927628", "assigned-sic": "6141", "irs-number": "541719854", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "001-13300", "film-number": "03571496"}, "business-address": {"street1": "1680 CAPITAL ONE DRIVE", "street2": "SUITE 1400", "city": "MCLEAN", "state": "VA", "zip": "22102", "phone": "7037201000"}, "mail-address": {"street1": "1680 CAPITAL ONE DRIVE", "street2": "SUITE 1400", "city": "MCLEAN", "state": "VA", "zip": "22102"}, "former-company": {"former-conformed-name": "OAKSTONE FINANCIAL CORP", "date-changed": "19940728"}}
UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549

                                    FORM 8-K

                                 CURRENT REPORT
     PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934

                                February 18, 2003
--------------------------------------------------------------------------------
                Date of Report (Date of earliest event reported)

                        Capital One Financial Corporation
--------------------------------------------------------------------------------
             (Exact name of registrant as specified in its chapter)

          Delaware                     1-13300                  54-1719854
----------------------------      -------------------      ---------------------
(State or other jurisdiction         (Commission               (IRS Employer
      of incorporation)               File Number)           Identification No.)

        1680 Capital One Drive,
            McLean, Virginia                                       22102
--------------------------------------------               ---------------------
  (Address of principal executive offices)                       (Zip Code)

       Registrant's telephone number, including area code:(703) 720-1000

       2980 Fairview Park Drive, Suite 1300, Falls Church, Virginia, 22042
--------------------------------------------------------------------------------
          (Former name or former address, if changed since last report)
Item 5.  Other Events.
         ------------

         (a)      Change of Address of Principal Executive Offices

Effective as of today, February 18, 2003, the address of Capital One Financial
Corporation's principal executive offices is:

                        Capital One Financial Corporation
                             1680 Capital One Drive
                                McLean, VA 22102
                            Telephone: (703) 720-1000

                                       2
SIGNATURE

         Pursuant to the requirements of the Securities Exchange Act of 1934,
the Company has duly caused this Current Report on Form 8-K to be signed on its
behalf by the undersigned, thereto duly authorized.

                                              CAPITAL ONE FINANCIAL CORPORATION

         Dated: February 14, 2003             By: /s/ John G. Finneran, Jr.
                                                  -----------------------------
                                                  John G. Finneran, Jr.
                                                  Executive Vice President,
                                                  General Counsel and Corporate
                                                  Secretary

                                       3