Three area men and a former secretary to a local merchant who was shot and killed during a holdup while he acted as a police decoy were charged with murder and armed robbery yesterday by a D.C. Superior Court grand jury.

The merchant, Elton Leon Grant, 30, was shot in the throat outside the Park Road Branch of the Riggs National Bank on July 21. About a dozen D.C. Police officers who had staked out the area after Grant reported that he had received a robbery threat watched helplessly while Grant was shot.

Grant was the owner of Grant & Green, at 7323 Georgia Ave. NW, a floor service business.

Grant, who was wearing a protective vest, was approached by three men as he walked to his Jeep parked near the bank from which he had just withdrawn $2,000. He was shot without warning, police said at the time.

The three men indicted by the grand jury yesterday had been arrested near the scene of the shooting. Also named in the indictment was India E. Stroman, 21, of 6000 13th St. NW, who left her job as a secretary at Grant & Green about a week before the robbery, sources said. She had worked there about three weeks, they said.

According to these sources, one of the indicted men, Leonard J. Anderson, 23, of 51 T St. NE, Stroman's boyfriend.

In addition to Stroman and Anderson, the grand jury also charged Melvin Stewart, 23, of 1132 7th St. NE and Arthur Swarn, 26, of 6305 Kilmer St., Cheverly, Md. with felony murder - murder during the commission of a crime - and armed robbery.

The grand jury also charged Swarn with one count of carrying a pistol without a license.

Swarn is being held Without bond in the D.C. jail. Anderson and Stewart are also in custody in lieu of a $100,000 bond each. Stroman is expected to be arraigned on the charges in D.C. Superior Court.