<PAGE>

                                                                   EXHIBIT 99.13

                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                     FIRST USA BANK, NATIONAL ASSOCIATION

             ------------------------------------------------------
               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1997-2
             ------------------------------------------------------

                Monthly Period:                  5/1/00 to
                                                 5/31/00
                Distribution Date:               6/19/00
                Transfer Date:                   6/16/00

Under Section 5.02 of the Pooling and Servicing Agreement dated as of September
1, 1992 (the "Pooling and Servicing Agreement") by and between First USA Bank,
National Association, (the "Bank") and The Bank of New York (Delaware), as
trustee (the "Trustee") the Bank, as Servicer, is required to prepare certain
information each month regarding current distributions to Certificateholders and
the performance of the First USA Credit Card Master Trust (the "Trust") during
the previous month. The information which is required to be prepared with
respect to the Distribution Date noted above and with respect to the performance
of the Trust during the month noted above is set forth below. Certain
information is presented on the basis of an original principal amount of $1,000
per Series 1997-2 Certificate (a "Certificate"). Certain other information is
presented based on the aggregate amount for the Trust as a whole. Capitalized
terms used in this Monthly Certificateholders' Statement have their respective
meanings set forth in the Pooling and Servicing Agreement.

  A.   Information Regarding the Current Monthly Distribution.
       ------------------------------------------------------

       1.  The total amount of the distribution to
           Certificateholders on the Distribution Date per
           $1,000 original certificate principal amount


                                                       Class A          $6.14167
                                                       Class B          $6.32500
                                                       CIA              $6.80167

       2.  The amount of the distribution set forth in
           paragraph 1 above in respect of interest on
           the Certificates, per $1,000 original
           certificate principal amount


                                                       Class A          $6.14167
                                                       Class B          $6.32500
                                                       CIA              $6.80167
<PAGE>

MONTHLY CERTIFICATEHOLDERS' STATEMENT                              Series 1997-2
Page 2

    3.  The amount of the distribution set forth in paragraph 1
        above in respect of principal on the Certificates, per
        $1,000 original certificate principal amount

                                                     Class A            $0.00000
                                                     Class B            $0.00000
                                                     CIA                $0.00000

B.  Information Regarding the Performance of the Trust.
    --------------------------------------------------

    1.  Allocation of Principal Receivables.
        -----------------------------------

        The aggregate amount of Allocations of Principal
        Receivables processed during the Monthly Period
        which were allocated in respect of the Certificates

                                                   Class A        $70,664,921.48
                                                   Class B         $6,400,992.16
                                                   CIA             $8,077,442.51
                                                                 ---------------
                                                   Total          $85,143,356.15

    2.  Allocation of Finance Charge Receivables

        (a1)  The aggregate amount of Allocations of Finance
              Charge Receivables processed during the Monthly
              Period which were allocated in respect of the
              Certificates

                                                   Class A         $7,437,246.93
                                                   Class B           $673,683.04
                                                   CIA               $850,123.83
                                                                   -------------
                                                   Total           $8,961,053.80

        (b1)  Principal Funding Investment Proceeds (to Class A)           $0.00
        (b2)  Withdrawals from Reserve Account (to Class A)                $0.00
                                                                   -------------
              Class A Available Funds                              $7,437,246.93

        (c1)  Principal Funding Investment Proceeds (to Class B)           $0.00
        (c2)  Withdrawals from Reserve Account (to Class B)                $0.00
              Class B Available Funds                                $673,683.04

        (d1)  Principal Funding Investment Proceeds (to CIA)               $0.00
        (d2)  Withdrawals from Reserve Account (to CIA)                    $0.00
              CIA Available Funds                                    $850,123.83

        (e1)   Total Principal Funding Investment Proceeds                 $0.00
        (e2)   Investment Earnings on deposits to Reserve Account          $0.00
<PAGE>

MONTHLY CERTIFICATEHOLDERS' STATEMENT                              Series 1997-2
Page 3

<TABLE>
<CAPTION>
    3.   Principal Receivable / Investor Percentages
         -------------------------------------------
    <S>                                                                <C>
         (a)  The aggregate amount of Principal Receivables in
              the Trust as of the last day of the Monthly Period       $36,124,641,027.99


         (b)  Invested Amount as of the last day of the preceding
              month (Adjusted Class A Invested Amount
              during Accumulation Period)
                                                  Class A                 $500,000,000.00
                                                  Class B                  $45,180,000.00
                                                  CIA                      $57,230,000.00
                                                                       ------------------
                                                  Total                   $602,410,000.00

         (c)  The Floating Allocation Percentage: The Invested
              Amount set forth in paragraph 3(b) above as a
              percentage of the aggregate amount of Principal
              Receivables as of the Record Date set forth in
              paragraph 3(a) above
                                                  Class A                           1.384%
                                                  Class B                           0.125%
                                                  CIA                               0.158%
                                                                                    ------
                                                  Total                             1.667%

         (d)  During the Amortization Period: The Invested Amount
              as of ______ (the last day of the Revolving Period)
                                                  Class A                           $0.00
                                                  Class B                           $0.00
                                                  CIA                               $0.00
                                                                       ------------------
                                                  Total                             $0.00

         (e)  The Fixed/Floating Allocation Percentage: The Invested
              Amount set forth in paragraph 3(d) above as a
              percentage of the aggregate amount of Principal
              Receivables set forth in paragraph 3(a) above
                                                  Class A                           0.000%
                                                  Class B                           0.000%
                                                  CIA                               0.000%
                                                                                    -----
                                                  Total                             0.000%
</TABLE>
<PAGE>

MONTHLY CERTIFICATEHOLDERS' STATEMENT                              Series 1997-2
Page 4

    4.   Delinquent Balances.
         ------------------

         The aggregate amount of outstanding balances in the Accounts
         which were delinquent as of the end of the day on the last day of
         the Monthly Period

         (a)  35 - 64 days                                       $428,403,170.53
         (b)  65 - 94 days                                       $277,772,886.82
         (c)  95 - 124 days                                      $231,052,772.40
         (d)  125 - 154 days                                     $196,167,513.76
         (e)  155 - 184 days                                     $164,129,162.83
         (f)  185 or more days                                             $0.00
                                                               -----------------
                                            Total              $1,297,525,506.34


     5.  Monthly Investor Default Amount.
         -------------------------------

         (a)  The aggregate amount of all defaulted Principal
              Receivables written off as uncollectible during the
              Monthly Period allocable to the Invested Amount (the
              aggregate "Investor Default Amount")

                                            Class A                $3,356,048.09
                                            Class B                  $303,998.60
                                            CIA                      $383,617.28
                                                                  --------------
                                            Total                  $4,043,663.97


    6.   Investor Charge-Offs & Reimbursements of Charge-Offs.
         ----------------------------------------------------

         (a)  The aggregate amount of Class A Investor Charge-
              Offs and the reductions in the Class B Invested
              Amount and the CIA
                                            Class A                        $0.00
                                            Class B                        $0.00
                                            CIA                            $0.00
                                                                  --------------
                                            Total                          $0.00
<PAGE>

MONTHLY CERTIFICATEHOLDERS' STATEMENT                              Series 1997-2
Page 5

<TABLE>
    <S>                                                                  <C>
         (b)  The aggregate amount of Class A Investor Charge-
              Offs reimbursed and the reimbursement of
              reductions in the Class B Invested Amount and the
              CIA

                                    Class A                                       $0.00
                                    Class B                                       $0.00
                                    CIA                                           $0.00
                                                                         --------------
                                    Total                                         $0.00


    7.   Investor Servicing Fee
         ----------------------
         (a)  The amount of the Investor Monthly Servicing Fee
              payable by the Trust to the Servicer for the
              Monthly Period

                                    Class A                                 $625,000.00
                                    Class B                                  $56,475.00
                                    CIA                                      $71,537.50
                                                                         --------------
                                    Total                                   $753,012.50


    8.   Reallocated Principal Collections
         ---------------------------------
              The amount of Reallocated CIA
              and Class B Principal Collections applied in respect
              of Interest Shortfalls, Investor Default Amounts or Investor
              Charge-Offs for the prior month.

                                    Class B                                       $0.00
                                    CIA                                           $0.00
                                                                         --------------
                                    Total                                         $0.00

    9.   CIA Invested Amount
         (a)  The amount of the CIA Invested Amount as of the close of
              business on the related Distribution Date after giving
              effect to withdrawals, deposits and payments to
              be made in respect of the preceding month                  $57,230,000.00

         (b)  The Required CIA Invested Amount as of the
              close of business on the related Distribution Date after
              giving effect to withdrawals, deposits and payments to
              be made in respect of the preceding month                  $57,230,000.00
</TABLE>
<PAGE>

MONTHLY CERTIFICATEHOLDERS' STATEMENT                              Series 1997-2
Page 6

    10.  The Pool Factor

         The Pool Factor (which represents the ratio of the amount of the
         Investor Interest on the last day of the Monthly Period, inclusive of
         any principal payments to be made on the related Distribution Date, to
         the amount of the Investor Interest as of the Closing Date). The amount
         of a Certificateholder's pro rata share of the Investor Participation
         Amount can be determined by multiplying the original denomination of
         the holder's Certificate by the Pool Factor

<TABLE>
<S>                                                                                     <C>
                                               Class A                                       1.00000000
                                               Class B                                       1.00000000
                                               Total                                         1.00000000

    11.  The Portfolio Yield
         -------------------
           The Portfolio Yield for the related Monthly Period                                      9.80%

    12.  The Base Rate
         -------------
           The Base Rate for the related Monthly Period                                            8.78%


C   Information Regarding the Principal Funding Account
    ----------------------------------------------------

         1.   Accumulation Period

         (a)  Accumulation Period commencement date                                          04/01/2004

         (b)  Accumulation Period Length (months)                                                     1

         (c)  Accumulation Period Factor                                                          14.02

         (d)  Required Accumulation Factor Number                                                     8

         (e)  Controlled Accumulation Amount                                            $602,410,000.00

         (f)  Minimum Payment Rate (last 12 months)                                               14.06%

         2.   Principal Funding Account
              -------------------------

              Beginning Balance                                                                   $0.00
                 Plus: Principal Collections for related Monthly Period from
                       Principal Account                                                          $0.00
                 Plus: Interest on Principal Funding Account Balance for
                       related Monthly Period                                                     $0.00

                 Less: Withdrawals to Finance Charge Account                                      $0.00
                 Less: Withdrawals to Distribution Account                                        $0.00
                                                                                        ---------------
              Ending Balance                                                                      $0.00
</TABLE>
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MONTHLY CERTIFICATEHOLDERS' STATEMENT                              Series 1997-2
Page 7

      3.   Accumulation Shortfall
           ----------------------

           The Controlled Deposit Amount for the previous
           Monthly Period                                                 $0.00

           Less:  The amount deposited into the Principal Funding
                  Account for the Previous Monthly Period                 $0.00

                  Accumulation Shortfall                                  $0.00
                                                                        --------
                  Aggregate Accumulation Shortfalls                       $0.00

      4.   Principal Funding Investment Shortfall

                  Covered Amount                                          $0.00

           Less:  Principal Funding Investment Proceeds                   $0.00
                                                                        --------
                  Principal Funding Investment Shortfall                  $0.00
                                                                        --------

D.  Information Regarding the Reserve Account
    ----------------------------------------
      1.   Required Reserve Account Analysis

           (a)  Required Reserve Account Amount percentage              0.00000%

           (b)  Required Reserve Account Amount ($)                       $0.00
                (0.5% of Invested Amount or other amount
                designated by Transferor)

           (c)  Required Reserve Account Balance after effect of
                any transfers on the Related Transfer Date                $0.00

           (d)  Reserve Draw Amount transferred to the Finance
                Charge Account on the Related Transfer Date               $0.00

      2.   Reserve Account Investment Proceeds
           -----------------------------------
           Reserve Account Investment Proceeds transferred to the

           Finance Charge Account on the Related Transfer Date            $0.00

      3.   Withdrawals from the Reserve Account
           ------------------------------------
           Total Withdrawals from the Reserve Account transferred
           to the Finance Charge Account on the related Transfer          $0.00
           Date (1 (d) plus 2 above)

      4.   The Portfolio Adjusted Yield
           ----------------------------
           The Portfolio Adjusted Yield for the related Monthly Period     3.32%
<PAGE>

MONTHLY CERTIFICATEHOLDER'S STATEMENT
Signature Page



                                   First USA Bank, National Association
                                   as Servicer

                                   By: /s/ Tracie Klein
                                       ---------------------------------
                                       Tracie Klein
                                       First Vice President