Exhibit 99.30

MBNA MASTER CREDIT CARD TRUST II

SERIES 1997-M

KEY PERFORMANCE FACTORS
March 31, 1998



Expected B Maturity 10/15/02


Blended Coupon 5.7520%


Excess Protection Level
3 Month Average 5.19%
March, 1998 5.96%
February, 1998 4.74%
January, 1998 4.87%


Cash Yield 18.59%


Investor Charge Offs 4.85%


Base Rate 7.78%


Over 35 Day Delinquency 5.06%


Seller's Interest 11.41%


Total Payment Rate 13.80%


Total Principal Balance $33,909,306,783.29


Investor Participation Amount $750,000,000.00


Seller Participation Amount $3,867,972,264.80