<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINACIAL INFORMATION EXTRACTED FROM FRONTIER
FINANCIAL CORPORATION AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 10K.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                          30,496
<INT-BEARING-DEPOSITS>                           3,550
<FED-FUNDS-SOLD>                                61,350
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     83,019
<INVESTMENTS-CARRYING>                          28,531
<INVESTMENTS-MARKET>                            30,040
<LOANS>                                        665,330
<ALLOWANCE>                                   (14,845)
<TOTAL-ASSETS>                                 882,880
<DEPOSITS>                                     730,931
<SHORT-TERM>                                    17,962
<LIABILITIES-OTHER>                              6,092
<LONG-TERM>                                     30,056
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        71,363
<OTHER-SE>                                      26,476
<TOTAL-LIABILITIES-AND-EQUITY>                 882,880
<INTEREST-LOAN>                                 66,375
<INTEREST-INVEST>                                9,936
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                76,311
<INTEREST-DEPOSIT>                              29,760
<INTEREST-EXPENSE>                              32,160
<INTEREST-INCOME-NET>                           44,151
<LOAN-LOSSES>                                  (1,850)
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 20,893
<INCOME-PRETAX>                                 25,283
<INCOME-PRE-EXTRAORDINARY>                      16,902
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    16,902
<EPS-PRIMARY>                                     2.31<F1>
<EPS-DILUTED>                                     2.28
<YIELD-ACTUAL>                                    5.65
<LOANS-NON>                                      4,355
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   109
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                13,268
<CHARGE-OFFS>                                  (1,739)
<RECOVERIES>                                     1,466
<ALLOWANCE-CLOSE>                               14,845
<ALLOWANCE-DOMESTIC>                            14,845
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>For purposes of This Exhibit, Primary means Basic.
</FN>
        

</TABLE>