X0201 4 2003-12-31 0 0000716457 FRONTIER FINANCIAL CORP /WA/ FTBK 0001221621 MCCARTHY BARBARA J C/O FRONTIER BANK 332 SW EVERETT MALL WAY EVERETT WA 98204 0 1 0 0 Senior Vice President Common Stock 2003-12-31 4 M 0 280 22 A 26765 D Common Stock 2003-12-31 4 M 0 280 17 A 27045 D Stock Option (right to buy) 22 2003-12-31 4 M 0 280 0 D 1999-12-16 2009-12-15 Common Stock 280 4425 D Stock Option (right to buy) 17 2003-12-31 4 M 0 280 0 D 2000-07-20 2010-07-19 Common Stock 280 4145 D Each security converts to common stock on a one-for-one basis. James F. Felicetty pursuant to Confirming Statement 2003-12-31