FRONTIER FINANCIAL CORP /WA/
S-4, EX-23.3, 2000-11-29
STATE COMMERCIAL BANKS
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                                                                    EXHIBIT 23.3

                         CONSENT OF INDEPENDENT AUDITORS

As independent public accountants and auditors, we consent to the reference to
our firm under the caption "Experts" and to the incorporation by reference in
this registration statement on Form S-4 of our report dated JANUARY 18, 2000
included in the Frontier Financial Corporation's Annual Report on Form 10-K for
the year ended DECEMBER 31, 1999.

                                            MOSS ADAMS LLP


                                           /s/
                                           ------------------------------------

Everett, Washington
NOVEMBER 28, 2000


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