FRONTIER FINANCIAL CORP /WA/
S-4, EX-23.4, 2000-11-29
STATE COMMERCIAL BANKS
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                                                                    EXHIBIT 23.4

Board of Directors
Interbancorp, Inc.

November 27, 2000


        I hereby consent to the reference to our firm in the proxy statement or
prospectus related to the merger transaction and to the inclusion of our opinion
as an exhibit to the proxy statement or prospectus related to the merger
transaction.

                                            Very truly yours,

                                            COLUMBIA FINANCIAL ADVISORS, INC.


                                            By:  /s/ ROBERT J. ROGOWSKI
                                                 -------------------------------
                                                 Robert J. Rogowski



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