X0202 4 2004-08-10 0 0000716457 FRONTIER FINANCIAL CORP /WA/ FTBK 0001221629 CLEMENTZ MICHAEL J C/O FRONTIER BANK 332 SW EVERETT MALL WAY EVERETT WA 98204 1 1 0 0 President & CEO Common Stock 2004-08-10 2004-08-10 4 D 0 194 34.00 D 16606 I By Construction Company Common Stock 2004-08-11 2004-08-11 4 D 0 264 34.00 D 542 I By Construction Company Common Stock 229072 D Common Stock 45150 I By Immediate Family Stock Option (Right to Buy) 26.00 2001-12-19 2011-12-18 Common Stock 900 900 D Stock Option (Right to Buy) 26.00 2002-12-18 2012-12-17 Common Stock 1000 1000 D Stock Option (Right to Buy) 33.00 2003-12-17 2013-12-16 Common Stock 3000 3000 D Since the reporting person's last report, 15,800 shares held indirectly have been distributed between indirect and direct holdings. Since the reporting person's last report, 7,400 shares held indirectly have been distributed and are now owned directly. Since the reporting person's last report, 8,400 shares held indirectly have been distributed and are now owned directly. /s/ Clementz, Michael J 2004-08-12