SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 25, 2002 -------------------------------------------------------------------- CASCADE FINANCIAL CORPORATION -------------------------------------------------- (Exact Name of Registrant as Specified in Charter) Washington 0-25286 91-0167790 ----------------------------------------------------------------------- (State or other jurisdiction (Commission (IRS Employer Identi- of incorporation) File Number) fication Number) 2828 Colby Avenue Everett, Washington 98201 ------------------------------------------------- (Address of principal executive offices/Zip Code) Registrant's telephone number, including area code: (425) 339-5500 ------------------------------------------------------------------- ITEM 5. Other Events On September 25, 2002, Cascade Financial Corporation (the "Company"), parent company of Cascade Bank, declared a $.05 quarterly dividend, the Company's first cash dividend. The dividend will be paid on October 30, 2002 to shareholders of record on October 9, 2002. The Press Release announcing the declaration of dividend is attached as Exhibit 99. ITEM 7. Exhibits 99 Press Release dated September 25, 2002. SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. Dated: October 2, 2002 CASCADE FINANCIAL CORPORATION By: /s/ Lars H. Johnson ------------------- Lars H. Johnson Chief Financial Officer