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                                                                   EXHIBIT 99.04



                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                             FIRST USA BANK, N.A.

              ---------------------------------------------------
               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-2
              ---------------------------------------------------

                Monthly Period:                    3/1/00 to
                                                   3/31/00
                Distribution Date:                 4/17/00
                Transfer Date:                     4/14/00

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, N.A. (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
1995-2 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                                  $5.72000
                              Class B                                   5.88958
                              CIA                                       6.12441
                                                             ------------------
                                Total (Weighted Avg.)                  $5.77349


    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                                 $5.72000
                              Class B                                  5.88958
                              CIA                                      6.12441
                                                            ------------------
                                Total (Weighted Avg.)                 $5.77349



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MONTHLY CERTIFICATEHOLDERS' STATEMENT                     Series 1995-2
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
                                                          ---------------------
                              Total (Weighted Avg.)                    $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                          $102,721,936.41
                              Class B                            $8,061,138.50
                              CIA                               $13,012,980.73
                                                          --------------------
                              Total                            $123,796,055.64

    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                            $10,294,934.88
                              Class B                               $807,898.49
                              CIA                                 $1,304,178.98
                                                          ---------------------
                              Total                              $12,407,012.35

        (b1)  Principal Funding Investment Proceeds
              (to Class A)                                                $0.00
        (b2)  Withdrawals from Reserve Account
              (to Class A)                                                $0.00
                                                          ---------------------
              Class A Available Funds                            $10,294,934.88


    3.  Principal Receivable/Investor Percentages
        -----------------------------------------

        (a)   The aggregate amount of Principal
              Receivables in the Trust as of the last
              day of the Monthly Period                      $36,401,753,059.56


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MONTHLY CERTIFICATEHOLDERS' STATEMENT                     Series 1995-2
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        (b)   Invested Amount as of the last day
              of the preceding month (Adjusted Class A
              Invested Amount during Accumulation Period)

                              Class A                           $660,000,000.00
                              Class B                            $51,700,000.00
                              CIA                                $83,500,000.00
                                                          ---------------------
                              Total                             $795,200,000.00

        (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                                    1.813%
                              Class B                                    0.142%
                              CIA                                        0.229%
                                                                         ------
                              Total                                      2.184%

        (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%



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MONTHLY CERTIFICATEHOLDERS' STATEMENT                     Series 1995-2
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                                       $429,919,820.18
        (b)  65 - 94 days                                       $308,515,296.32
        (c)  95 - 124 days                                      $259,370,109.95
        (d)  125 - 154 days                                     $229,194,360.22
        (e)  155 - 184 days                                     $213,948,592.85
        (f)  185 or more days                                             $0.00
                                                                          -----
                              Total                           $1,440,948,179.52


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

        (a)   The aggregate amount of all defaulted
              Principal Receivables written off as
              uncollectible during the Collection
              Period allocable to the Invested Amount
              (the aggregate "Investor Default Amount")
                              Class A                             $2,705,327.52
                              Class B                               $212,301.49
                              CIA                                   $342,715.26
                                                                    -----------
                              Total                               $3,260,344.27


    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


        (b)   The amounts set forth in paragraph 6(a)
              above, per $1,000 original certificate
              principal amount (which will have the
              effect of reducing, pro rata, the amount
              of each Certificateholder's investment)
                              Class A                                     $0.00
                              Class B                                     $0.00
                              CIA                                         $0.00
                                                          ---------------------
                              Total                                       $0.00


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MONTHLY CERTIFICATEHOLDERS' STATEMENT                     Series 1995-2
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        (c)   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


        (d)   The amount set forth in paragraph 6(c)
              above, per $1,000 interest (which will
              have the effect of increasing, pro rata,
              the amount of each Certificateholder's
              investment)

                              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                               $825,000.00
                              Class B                                $64,625.00
                              CIA                                   $104,375.00
                                                                    -----------
                              Total                                 $994,000.00

    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.  Collateral Invested Amount
        (a)   The amount of the Collateral 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                                $83,500,000.00

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MONTHLY CERTIFICATEHOLDERS' STATEMENT                     Series 1995-2
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        (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                                    $83,500,000.00




    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 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

                              Class A                                1.00000000
                              Class B                                1.00000000
                              Total                                  1.00000000


    11. The Portfolio Yield
        -------------------
          The Portfolio Yield for the related Monthly Period             13.80%

    12. The Base Rate
        -------------
          The Base Rate for the related Monthly Period                    8.30%


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

        1.    Accumulation Period

        (a)   Accumulation Period commencement date                  02/01/2002

        (b)   Accumulation Period Length (months)                         1

        (c)   Accumulation Period Factor                              30.81

        (d)   Required Accumulation Factor Number                         8

        (e)   Controlled Accumulation Amount                $660,000,000.00

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


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MONTHLY CERTIFICATEHOLDERS' STATEMENT                     Series 1995-2
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        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


        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

            (b)   Required Reserve Account Amount ($)                   0.00000%
                  (0.5% of Class A Invested Amount or other
                  amount designated by Transferor)                        $0.00

            (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

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    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
        Date (1(d) plus 2 above)                                            0.00

    4.  The Portfolio Adjusted Yield
        ----------------------------
        The Portfolio Adjusted Yield for the related Monthly
        Period                                                             4.76%







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MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page





                                 First USA Bank, N.A.
                                 as Servicer


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