This study deals with the free vibration of a circular plate in contact with a fluid; submerged in fluid, beneath fluid or on fluid. An analytical method based on the finite Fourier-Bessel series expansion and Rayleigh-Ritz method is suggested. The proposed method is verified by the finite element analysis using commercial program with a good accuracy. The normalized natural frequencies are obtained in order to estimate the relative added mass effect of fluid on each vibration mode of the plate. Also, the location of plate coupled with fluid and the cases of free and bounded fluid surface are studied for the effect on the vibration characteristics.