X0202 4 2005-04-25 0 0000716457 FRONTIER FINANCIAL CORP /WA/ FTBK 0001236977 WHEELER CAROL E C/O FRONTIER BANK 332 SW EVERETT MALL WAY EVERETT WA 98204 0 1 0 0 CFO of FFC Common Stock 2005-10-13 2005-10-13 4 M 0 432 15.33 A 30717 D Common Stock 2005-10-13 2005-10-13 4 M 0 420 14.67 A 31137 D Common Stock 2005-10-13 2005-10-13 4 M 0 420 11.33 A 31557 D Common Stock 2005-04-25 2005-04-25 4 A 0 1 36.95 A 3167 I By Immediate Family Common Stock 2005-08-23 2005-08-23 4 A 0 2 27.86 A 4752 I By Immediate Family Stock Option (Right to Buy) 15.33 2005-10-13 2005-10-06 4 M 0 432 15.33 D 1998-12-16 2008-12-15 Common Stock 432 0 D Stock Option (Right to Buy) 14.67 2005-10-13 2005-10-13 4 M 0 420 14.67 D 1999-12-15 2009-12-14 Common Stock 420 0 D Stock Option (Right to Buy) 11.33 2005-10-13 2005-10-13 4 M 0 420 11.33 D 2000-07-19 2010-07-18 Common Stock 420 0 D Stock Option (Right to Buy) 15.33 2000-12-20 2010-12-19 Common Stock 960 960 D Stock Option (Right to Buy) 17.33 2001-12-19 2011-12-18 Common Stock 1080 1080 D Stock Option (Right to Buy) 17.33 2002-12-18 2012-12-17 Common Stock 1200 1200 D Stock Option (Right to Buy) 22.00 2003-12-17 2013-12-16 Common Stock 1500 1500 D Stock Option (Right to Buy) 26.67 2004-12-15 2014-12-14 Common Stock 2250 2250 D Shares acquired through dividend reinvestment program. /s/ Wheeler, Carol E 2005-10-14