A model is developed for studying the acoustic behavior of a cMUT array. This model is based on separate calculations of the terms describing the behavior of a single cMUT on one hand, and those corresponding to acoustic mutual coupling on the other hand. The terms are combined into an equivalent circuit with matrix terms which displays only one degree of freedom per cell. This approach allows the simulation of several dozen cMUTs considered individually with a very short computer time. A Finite Difference model is used for the simulation of an isolated cell radiating acoustic energy and the determination of its equivalent electromechanical circuit. It is shown for various mutual coupling situations that the coupling between cells can be correctly approximated using a very simple mutual impedance term. The model is compared with experimental results, using a set of different cMUT configurations. Experimental results were obtained with electrical impedancemetry and laser interferometry techniques performed in fluid immersion.