<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 10Q.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 58,085
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 13,195
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 119,072
<INVESTMENTS-CARRYING> 30,672
<INVESTMENTS-MARKET> 31,203
<LOANS> 1,378,555
<ALLOWANCE> (22,293)
<TOTAL-ASSETS> 1,625,213
<DEPOSITS> 1,296,090
<SHORT-TERM> 63,499
<LIABILITIES-OTHER> 14,876
<LONG-TERM> 65,169
0
0
<COMMON> 93,600
<OTHER-SE> 91,979
<TOTAL-LIABILITIES-AND-EQUITY> 1,625,213
<INTEREST-LOAN> 97,405
<INTEREST-INVEST> 8,201
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 105,606
<INTEREST-DEPOSIT> 39,029
<INTEREST-EXPENSE> 6,536
<INTEREST-INCOME-NET> 60,041
<LOAN-LOSSES> (907)
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 27,960
<INCOME-PRETAX> 36,678
<INCOME-PRE-EXTRAORDINARY> 36,678
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 24,208
<EPS-BASIC> 1.23
<EPS-DILUTED> 1.22
<YIELD-ACTUAL> 5.46
<LOANS-NON> 3,104
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 21,006
<CHARGE-OFFS> (407)
<RECOVERIES> 787
<ALLOWANCE-CLOSE> 22,293
<ALLOWANCE-DOMESTIC> 22,293
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>