CASCADE FINANCIAL CORP, NT 10-K, 1998-09-25

CASCADE FINANCIAL CORP
NT 10-K, 1998-09-25
SAVINGS INSTITUTION, FEDERALLY CHARTERED

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CASCADE FINANCIAL CORPORATION
2828 COLBY AVENUE
EVERETT WA   98201

                          SEPTEMBER 25, 1998

Securities and Exchange Commission
Washington DC   20549

Gentlemen:

Please accept this request to extend the deadline for filing our 10-K 405.  We
are still in the process of reviewing information and documentation related to
our merger with AmFirst Bancorpation.  This is the first 10-K we have filed 
since that merger.

Sincerely,

CASCADE FINANCIAL CORPORATION

/s/ Russell E Rosendal
- ----------------------
Russell E. Rosendal
Executive Vice President and 
   chief Financial Officer