UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 13F

                               FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended:  April 30, 2000

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:             FIRST MERCHANTS BANK, N.A.
Address:          200 EAST JACKSON STREET
                  MUNCIE, IN   47305-2814

13F File Number:  28-2360

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:             Mark A. Collison
Title:            Vice President
Phone:            (765) 747-1362
Signature, Place, and Date of Signing:

                  Mark A. Collison          Muncie, IN        May 12, 2000

Report Type (Check only one.):

[X]      13F HOLDING REPORT.
[ ]      13F NOTICE.
[ ]      COMBINATION REPORT.

List of Other Managers reporting for this Manager:

I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITITES EXCHANGE ACT OF 1934.
<PAGE>

                              FORM 13F SUMMARY PAGE

Report Summary:

Number of Other Included Managers:  None

Form 13F Information Table Entry Total: 121

Form 13F Information Table Value Total: $402,761,000


List of Other Included Managers:

No.      13F File Number            Name

None
<PAGE>
<TABLE>
<S>                            <C>                                                   <C>

                                                                  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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

AT & T CORP                    COM              001957109     5435    96527 SH       SOLE                    94630      850     1047
AT & T CORP                    COM              001957109      566    10056 SH       DEFINED                  9456      600        0
ABBOTT LABS                    COM              002824100      573    16300 SH       SOLE                    16300        0        0
ALBERTSONS INC                 COM              013104104     3295   106750 SH       SOLE                   105650      600      500
ALLSTATE                       COM              020002101      491    20650 SH       SOLE                    19550      600      500
ALLTRISTA CORPORATION          COM              020040101      832    36813 SH       SOLE                    36763       50        0
AMERICAN HOME PRODS CORP       COM              026609107     5724   106502 SH       SOLE                   103602      400     2500
AMERICAN INTERNATIONAL GRP     COM              026874107    15133   138209 SH       SOLE                   136935      725      549
AMERICAN INTERNATIONAL GRP     COM              026874107      273     2502 SH       DEFINED                  2502        0        0
ANALOG DEVICES, INC            COM              032654105      241     3000 SH       DEFINED                  3000        0        0
APPLIED MATLS INC              COM              038222105      494     5250 SH       SOLE                     5250        0        0
AUTOMATIC DATA PROCESSING      COM              053015103     7714   159880 SH       SOLE                   158730      550      600
AUTOMATIC DATA PROCESSING      COM              053015103      250     5200 SH       DEFINED                  5200        0        0
AVERY DENNISON CORP            COM              053611109     1593    26100 SH       SOLE                    25200      400      500
BP AMOCO PLC                   ADR              055622104     7976   149793 SH       SOLE                   136655    10492     2646
BP AMOCO PLC                   ADR              055622104     1324    24882 SH       DEFINED                 11054      528    13300
BALL CORP                      COM              058498106     5210   150760 SH       SOLE                   150113      647        0
BANKAMERICA CORP NEW           COM              060505104     3419    65224 SH       SOLE                    64524        0      700
BANK ONE CORPORATION           COM              06423A103     4652   134848 SH       SOLE                   133648      300      900
BANK ONE CORPORATION           COM              06423A103      207     6014 SH       DEFINED                  6014        0        0
BELL ATLANTIC CORP             COM              077853109     5302    86758 SH       SOLE                    84750     1550      458
BELL ATLANTIC CORP             COM              077853109      229     3756 SH       DEFINED                  3756        0        0
BELLSOUTH CORP                 COM              079860102     5753   122754 SH       SOLE                   119154     3400      200
BELLSOUTH CORP                 COM              079860102      365     7800 SH       DEFINED                  7800        0        0
BRISTOL-MYERS SQUIBB           COM              110122108     8154   140593 SH       SOLE                   139093      600      900
BRISTOL-MYERS SQUIBB           COM              110122108      506     8730 SH       DEFINED                  8730        0        0
CTS CORP                       COM              126501105      216     3800 SH       DEFINED                  3800        0        0
CHEVRON CORPORATION            COM              166751107     4114    44515 SH       SOLE                    43015      800      700
CISCO SYSTEMS                  COM              17275R102     6701    86678 SH       SOLE                    81890     2588     2200
COCA COLA CO                   COM              191216100     1294    27582 SH       SOLE                    27381      101      100
COLGATE PALMOLIVE CO           COM              194162103      916    16250 SH       SOLE                    16250        0        0
DELL COMPUTER                  COM              247025109      204     3800 SH       SOLE                     3800        0        0
DISNEY WALT COMPANY            COM              254687106     6653   161295 SH       SOLE                   159245      150     1900
DISNEY WALT COMPANY            COM              254687106      226     5500 SH       DEFINED                  4900      600        0
DOW CHEM CO                    COM              260543103     2756    24180 SH       SOLE                    24180        0        0
DU PONT E I DE NEMOURS         COM              263534109      227     4300 SH       SOLE                     4300        0        0
DUKE ENERGY CORP               COM              264399106     2847    54241 SH       SOLE                    53141      200      900
EMC CORPORATION                COM              268648102     5557    44111 SH       SOLE                    42061     1350      700
EASTMAN KODAK CO               COM              277461109      214     3949 SH       SOLE                     3949        0        0
EMERSON ELEC CO                COM              291011104     5350   100728 SH       SOLE                    99028     1000      700
EMERSON ELEC CO                COM              291011104      435     8200 SH       DEFINED                  8200        0        0
ENRON CORP                     COM              293561106    10357   138340 SH       SOLE                   136940      400     1000
EXXON MOBIL CORP               COM              30231G102     6535    83870 SH       SOLE                    80854     1828     1188
EXXON MOBIL CORP               COM              30231G102      221     2844 SH       DEFINED                  2348        0      496
FANNIE MAE                     COM              313586109      226     4000 SH       SOLE                     4000        0        0
FIFTH-THIRD BANCORP            COM              316773100      211     3364 SH       SOLE                     3364        0        0
FIRST MERCHANTS CORP           COM              320817109     8550   424994 SH       SOLE                   392753    19505    12736
FIRST MERCHANTS CORP           COM              320817109     3062   152210 SH       DEFINED                118685    33525        0
GTE CORP                       COM              362320103     6654    93729 SH       SOLE                    92039     1090      600
GTE CORP                       COM              362320103      356     5028 SH       DEFINED                  5028        0        0
GANNETT COMPANY INC            COM              364730101     1859    26425 SH       SOLE                    25725      500      200
GAP INC                        COM              364760108      320     6434 SH       SOLE                     6434        0        0
GENERAL ELEC CO                COM              369604103    23074   148277 SH       SOLE                   145277     1700     1300
GENERAL ELEC CO                COM              369604103     1658    10660 SH       DEFINED                 10660        0        0
GENERAL MTRS CORP              COM              370442105      275     3331 SH       SOLE                     3181        0      150
GILLETTE CO                    COM              375766102     4777   126800 SH       SOLE                   126300        0      500
HARSCO CORP                    COM              415864107      808    27964 SH       SOLE                    27964        0        0
HEINZ H J CO                   COM              423074103      292     8400 SH       SOLE                     6900        0     1500
HEWLETT PACKARD CO             COM              428236103    14425   108570 SH       SOLE                   106320     1750      500
HEWLETT PACKARD CO             COM              428236103      558     4200 SH       DEFINED                  4200        0        0
HONEYWELL INTL INC             COM              438516106      284     5400 SH       SOLE                     5400        0        0
INGERSOLL RAND CO              COM              456866102     5488   124025 SH       SOLE                   121875     1450      700
INTEL CORP                     COM              458140100    30610   232018 SH       SOLE                   225358     2060     4600
INTEL CORP                     COM              458140100     1912    14500 SH       DEFINED                 13700      800        0
INTL BUSINESS MACHINES CORP    COM              459200101     1459    12366 SH       SOLE                    11316      250      800
IPALCO ENTERPRISES INC         COM              462613100      257    13200 SH       SOLE                    12600        0      600
JOHNSON & JOHNSON              COM              478160104     6067    86371 SH       SOLE                    84996      775      600
JOHNSON & JOHNSON              COM              478160104      488     6950 SH       DEFINED                  6950        0        0
KELLOGG CO                     COM              487836108      251     9760 SH       SOLE                     9760        0        0
KIMBERLY CLARK CORP            COM              494368103     4837    86300 SH       SOLE                    85400      400      500
LILLY ELI & CO                 COM              532457108     8591   137201 SH       SOLE                   128421     6530     2250
LILLY ELI & CO                 COM              532457108      593     9470 SH       DEFINED                  9470        0        0
LINCOLN NATL CORP IND          COM              534187109     4363   130250 SH       SOLE                   127850     1150     1250
LINCOLN NATL CORP IND          COM              534187109      204     6100 SH       DEFINED                  6100        0        0
LOWE'S COMPANIES INC           COM              548661107     2626    45000 SH       SOLE                    42800     1500      700
LUCENT TECHNOLOGIES            COM              549463107     7405   120902 SH       SOLE                   117877      857     2168
LUCENT TECHNOLOGIES            COM              549463107      841    13734 SH       DEFINED                 13218      516        0
MCI WORLDCOM INC               COM              55268B106      646    14263 SH       SOLE                    13663      600        0
MARSH SUPERMARKETS INC CL B    COM              571783208     1449   161068 SH       SOLE                   161068        0        0
MARSH SUPERMARKETS INC CL A    COM              571783307     4517   310281 SH       SOLE                   310281        0        0
MASCO CORP                     COM              574599106     1482    72300 SH       SOLE                    71400      500      400
MAY DEPARTMENT STORES          COM              577778103     2381    83575 SH       SOLE                    83025        0      550
MCDONALDS CORP                 COM              580135101     8643   231290 SH       SOLE                   225840     3050     2400
MCDONALDS CORP                 COM              580135101      373    10000 SH       DEFINED                 10000        0        0
MEDTRONIC INCORPORATED         COM              585055106      953    18544 SH       SOLE                    18544        0        0
MERCK & CO INC                 COM              589331107     6882   110800 SH       SOLE                   108594     1206     1000
MERCK & CO INC                 COM              589331107      416     6704 SH       DEFINED                  6304      400        0
MICROSOFT CORPORATION          COM              594918104    12394   116657 SH       SOLE                   115807      750      100
MICROSOFT CORPORATION          COM              594918104      839     7900 SH       DEFINED                  7900        0        0
MINNESOTA MNG & MFG CO         COM              604059105      729     8236 SH       SOLE                     8136      100        0
JP MORGAN & CO INC             COM              616880100     2924    22200 SH       SOLE                    22200        0        0
MOTOROLA INC                   COM              620076109     8249    56505 SH       SOLE                    55265     1190       50
MOTOROLA INC                   COM              620076109      445     3050 SH       DEFINED                  3050        0        0
NATIONAL CITY CORP             COM              635405103      669    32470 SH       SOLE                    32470        0        0
OLD NATIONAL BANCORP           COM              680033107     3651   110453 SH       SOLE                   110453        0        0
OLD NATIONAL BANCORP           COM              680033107      423    12801 SH       DEFINED                  4270     8531        0
PEPSICO INC                    COM              713448108     4687   134433 SH       SOLE                   130433      600     3400
PEPSICO INC                    COM              713448108      396    11365 SH       DEFINED                 11365        0        0
PFIZER INC                     COM              717081103      370    10141 SH       SOLE                     9091        0     1050
PHILIP MORRIS COS              COM              718154107      966    45750 SH       SOLE                    41150     4600        0
PROCTER & GAMBLE CO            COM              742718109     4673    82724 SH       SOLE                    82224      300      200
SBC COMMUNICATIONS INC         COM              78387G103     6689   158813 SH       SOLE                   156513     1700      600
SBC COMMUNICATIONS INC         COM              78387G103      426    10124 SH       DEFINED                  9724      400        0
SARA LEE CORP                  COM              803111103     3549   197214 SH       SOLE                   194414     1800     1000
SARA LEE CORP                  COM              803111103      268    14940 SH       DEFINED                 14940        0        0
SCHERING-PLOUGH CORP           COM              806605101      404    10900 SH       SOLE                    10900        0        0
SCHLUMBERGER LTD               COM              806857108     5172    67620 SH       SOLE                    65920      650     1050
SHERWIN-WILLIAMS CO            COM              824348106      559    25300 SH       SOLE                    24700        0      600
SUN MICROSYSTEMS               COM              866810104      853     9109 SH       SOLE                     8609      500        0
SYSCO CORP                     COM              871829107     5497   152200 SH       SOLE                   151600      200      400
SYSCO CORP                     COM              871829107      353     9800 SH       DEFINED                  9800        0        0
TECO ENERGY                    COM              872375100     1038    53450 SH       SOLE                    53450        0        0
TELLABS INC DELAWARE           COM              879664100      960    15250 SH       SOLE                    14600      650        0
TIME WARNER INC                COM              887315109     1856    18560 SH       SOLE                    18560        0        0
TOWN & COUNTRY TRUST           COM              892081100      169    10100 SH       SOLE                     8100        0     2000
UNION PLANTERS CORPORATION     COM              908068109      492    16000 SH       SOLE                    16000        0        0
UNITED TECHNOLOGIES CORP       COM              913017109     7128   112825 SH       SOLE                   111275      800      750
WAL MART STORES INC            COM              931142103     7896   139754 SH       SOLE                   137274     2280      200
WAL MART STORES INC            COM              931142103      748    13250 SH       DEFINED                 13250        0        0
WELLS FARGO & CO  (NEW)        COM              949746101     4501   110456 SH       SOLE                   108656      500     1300
WEYERHAEUSER CO                COM              962166104     2091    36700 SH       SOLE                    36400      200      100
</TABLE>