<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FRONTIER
FINANCIAL CORPORATION AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 10K.
</LEGEND>
<RESTATED>
<MULTIPLIER> 1,000
       
<S>                           <C>              <C>              <C>                 <C>                     <C>
<PERIOD-TYPE>               12-MOS            12-MOS           3-MOS               6-MOS                9-MOS
<FISCAL-YEAR-END>              DEC-31-1995      DEC-31-1996      DEC-31-1996         DEC-31-1996           DEC-31-1996
<PERIOD-START>                 JAN-01-1995      JAN-01-1996      JAN-01-1996         JAN-01-1996           JAN-01-1996
<PERIOD-END>                   DEC-31-1995      DEC-31-1996      MAR-31-1996         JUN-30-1996           SEP-30-1996
<CASH>                              19,708           35,105           26,005              24,316                25,602
<INT-BEARING-DEPOSITS>               3,050            4,775            4,020               3,600                 4,275
<FED-FUNDS-SOLD>                    55,930           25,050           52,425              12,070                 7,795
<TRADING-ASSETS>                         0                0                0                   0                     0
<INVESTMENTS-HELD-FOR-SALE>        102,300           96,628           99,626             102,172               100,985
<INVESTMENTS-CARRYING>              39,626           29,727           37,554              37,226                34,610
<INVESTMENTS-MARKET>                40,839           30,799           38,429              37,775                35,250
<LOANS>                            504,988          600,394          516,763             565,808               587,952
<ALLOWANCE>                       (11,897)         (13,268)         (12,350)            (12,189)              (13,010)
<TOTAL-ASSETS>                     735,183          803,619          746,765             755,852               772,820
<DEPOSITS>                         641,218          670,516          647,530             627,484               641,219
<SHORT-TERM>                         7,596           12,011            8,842              10,602                10,840
<LIABILITIES-OTHER>                  5,880            5,675            7,167               5,789                 7,034
<LONG-TERM>                         15,136           35,100           15,144              40,000                37,629
<PREFERRED-MANDATORY>                    0                0                0                   0                     0
<PREFERRED>                              0                0                0                   0                     0
<COMMON>                            44,084           57,191           56,086              57,013                57,130
<OTHER-SE>                          21,269           23,126           11,996              14,964                18,968
<TOTAL-LIABILITIES-AND-EQUITY>     735,183          803,619          746,765             755,852               772,820
<INTEREST-LOAN>                     52,146           57,545           13,311              27,443                42,320
<INTEREST-INVEST>                   10,940           10,455            2,984               5,509                 7,826
<INTEREST-OTHER>                         0                0                0                   0                     0
<INTEREST-TOTAL>                    63,086           68,000           16,295              32,952                50,146
<INTEREST-DEPOSIT>                  27,855           28,078            7,343              14,169                20,889
<INTEREST-EXPENSE>                  29,347           30,100            7,648              14,849                22,285
<INTEREST-INCOME-NET>               33,739           37,900            8,647              18,103                27,861
<LOAN-LOSSES>                      (1,525)          (1,980)            (200)               (500)               (1,200)
<SECURITIES-GAINS>                     (4)                0                0                   0                     0
<EXPENSE-OTHER>                     17,164           17,931            3,778               8,424                12,533
<INCOME-PRETAX>                     18,467           21,697            5,483              10,869                16,946
<INCOME-PRE-EXTRAORDINARY>          12,615           14,617            3,635               7,636                11,217
<EXTRAORDINARY>                          0                0                0                   0                     0
<CHANGES>                                0                0                0                   0                     0
<NET-INCOME>                        12,615           14,617            3,635               7,236                11,217
<EPS-PRIMARY>                         2.00<F1>         2.15<F1>         0.54<F1>            1.07<F1>              1.65<F1>
<EPS-DILUTED>                         1.98             2.13             0.52                1.05                  1.63
<YIELD-ACTUAL>                        5.26             5.40             5.07                5.61                  5.48
<LOANS-NON>                          4,417            3,626            3,013               2,121                 4,148
<LOANS-PAST>                             4                0                0                   0                     0
<LOANS-TROUBLED>                       122              121              120                 136                   124
<LOANS-PROBLEM>                          0                0                0                   0                     0
<ALLOWANCE-OPEN>                    10,410           11,898           11,898              11,898                11,898
<CHARGE-OFFS>                        2,212            1,944              101               1,091                 1,257
<RECOVERIES>                         2,174            1,334              353                 882                 1,169
<ALLOWANCE-CLOSE>                   11,897           13,268           12,350              12,189                13,010
<ALLOWANCE-DOMESTIC>                11,897           13,268           12,350              12,189                13,010
<ALLOWANCE-FOREIGN>                      0                0                0                   0                     0
<ALLOWANCE-UNALLOCATED>                  0                0                0                   0                     0
<FN>
<F1>For purposes of This Exhibit, Primary means Basic.
</FN>
        

</TABLE>