SEC FORM 4

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

1. Name and Address of Reporting Person^*

DICKSON JOHN J

(Last)

(First)

(Middle)

C/O FRONTIER BANK

332 SW EVERETT MALL WAY

(Street)

EVERETT

98204

(City)

(State)

(Zip)

2. Issuer Name and Ticker or Trading Symbol
FRONTIER FINANCIAL CORP /WA/ [ FTBK ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director	10% Owner
X	Officer (give title below)	Other (specify below)
	Director, EVP & CEO of FB

3. Date of Earliest Transaction (Month/Day/Year)
11/16/2005

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	12/14/2005	12/14/2005	G		1,328	D	$0	75,963	D
Common Stock	12/14/2005	12/14/2005	M		626	A	$7.89	76,589	D
Common Stock	11/16/2005	11/16/2005	A		66⁽¹⁾	A	$31.8	14,447	I	By Immediate Family
Common Stock	12/14/2005	12/14/2005	G		1,328	A	$0	15,775	I	By Immediate Family

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
Stock Option (Right to Buy)	$7.89	12/14/2005	12/14/2005	M			626	12/20/1995	12/19/2005	Common Stock	626	$0	0	D
Stock Option (Right to Buy)	$9.03							12/18/1996	12/17/2006	Common Stock	532		532	D
Stock Option (Right to Buy)	$11.53							12/17/1997	12/16/2007	Common Stock	513		513	D
Stock Option (Right to Buy)	$15.33							12/16/1998	12/15/2008	Common Stock	432		432	D
Stock Option (Right to Buy)	$14.67							12/15/1999	12/14/2009	Common Stock	420		420	D
Stock Option (Right to Buy)	$11.33							07/19/2000	07/18/2010	Common Stock	420		420	D
Stock Option (Right to Buy)	$15.33							12/20/2000	12/19/2010	Common Stock	960		960	D
Stock Option (Right to Buy)	$17.33							12/19/2001	12/18/2011	Common Stock	1,080		1,080	D
Stock Option (Right to Buy)	$17.33							12/18/2002	12/17/2012	Common Stock	1,200		1,200	D
Stock Option (Right to Buy)	$22							12/17/2003	12/16/2013	Common Stock	4,500		4,500	D
Stock Option (Right to Buy)	$26.67							12/15/2004	12/14/2014	Common Stock	3,750		3,750	D
Stock Option (Right to Buy) 1 year vesting	$26.67							12/15/2005	12/14/2014	Common Stock	750		750	D

Explanation of Responses:

1. Shares acquired through dividend reinvestment program.

Remarks:

	/s/ Dickson, John J	12/14/2005
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
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