UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 13F Form 13F COVER PAGE Report for the Calendar Year or Quarter Ended: 31-December-2009 Check here if Amendment [_]; Amendment Number: ------------------- This Amendment {Check only one.): [_]; is a restatement. [_]; adds new holdings entries. Institutional Investment Manager Filing this Report: Name: Capital One Financial Corporation Address: 1680 Capital One Drive McLean, VA 22102 Form 13F File Number: 028-12320 The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form. Person signing this report on behalf of Reporting Manager: Name: Matthew J. Murphy Title: Head of Brokerage, Trust, COAM Phone: 631-577-5801 Signature, Place, and Date of Signing: /s/ Matthew J. Murphy Melville, New York February 12, 2010 - -------------------------- ------------------------- ------------------------- (Signature) (City, State) (Date) Report Type (Check only one): [_] 13F HOLDINGS REPORT. (Check here if all holdings qf this reporting manager are reported in this report.) [_] 13F NOTICE. (Check here if no holdings reported are in this report, and all holdings are reported by other reporting manager (s).} [X] 13F COMBINATION REPORT. (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager (s).) List of Other Managers Reporting for this Manager: [If there are no entries in this list, omit this section.] Form 13F File Number Name 28-931 Capital One, National Association - ---------- --------------------------------------- [Repeat as necessary.]

FORM 13F SUMMARY PAGE Report Summary: Number of Other Included Managers: 0 Form13F Information Table Entry Total: 23 Form13F Information Table Value Total: $7,234 (thousands) List of Other Included Managers: Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional managers with respect to which this report is filed, other than the manager filing this report. NONE FORM 13F INFORMATION TABLE VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE - ------------------------------ ---------------- --------- -------- -------- --- ---- ------- -------- ---- ------- ------ 3M CO COM 88579Y101 364 4399 SH SOLE 0 0 0 4399 AT&T INC COM 00206R102 197 7030 SH SOLE 0 0 0 7030 AUTOMATIC DATA PROCESSING IN COM 053015103 314 7331 SH SOLE 0 0 0 7331 BP PLC SPONSORED ADR 055622104 283 4875 SH SOLE 0 0 0 4875 BRISTOL MYERS SQUIBB CO COM 110122108 295 11675 SH SOLE 0 0 0 11675 CHEVRON CORP NEW COM 166764100 325 4223 SH SOLE 0 0 0 4223 COCA COLA CO COM 191216100 376 6601 SH SOLE 0 0 0 6601 CONOCOPHILLIPS COM 20825C104 202 3946 SH SOLE 0 0 0 3946 DIAGEO P L C SPON ADR NEW 25243Q205 298 4299 SH SOLE 0 0 0 4299 DU PONT E I DE NEMOURS & CO COM 263534109 179 5330 SH SOLE 0 0 0 5330 EMERSON ELEC CO COM 291011104 312 7322 SH SOLE 0 0 0 7322 FPL GROUP INC COM 302571104 280 5301 SH SOLE 0 0 0 5301 ILLINOIS TOOL WKS INC COM 452308109 282 5876 SH SOLE 0 0 0 5876 ISHARES TR INDEX BARCLY USAGG B 464287226 453 4390 SH SOLE 0 0 0 4390 ISHARES TR INDEX BARCLYS TIPS BD 464287176 411 3958 SH SOLE 0 0 0 3958 JOHNSON & JOHNSON COM 478160104 343 5323 SH SOLE 0 0 0 5323 MCDONALDS CORP COM 580135101 264 4229 SH SOLE 0 0 0 4229 MICROSOFT CORP COM 594918104 284 9310 SH SOLE 0 0 0 9310 PRICE T ROWE GROUP INC COM 74144T108 395 7411 SH SOLE 0 0 0 7411 PROCTER & GAMBLE CO COM 742718109 244 4030 SH SOLE 0 0 0 4030 TOTAL S A SPONSORED ADR 89151E109 555 9907 SH SOLE 0 0 0 9907 V F CORP COM 918204108 309 4214 SH SOLE 0 0 0 4214 VERIZON COMMUNICATIONS INC COM 92343V104 269 8130 SH SOLE 0 0 0 8130