EXHIBIT 23



                    INDEPENDENT AUDITORS' CONSENT


The Board of Directors
Cascade Financial Corporation and subsidiaries:


We consent to incorporation by reference in the registration statements on
Forms S-8 (No. 33-94456, No. 333-32272 and No. 333-97929) of Cascade
Financial Corporation of our report dated February 28, 2003 relating to the
consolidated balance sheets of Cascade Financial Corporation and subsidiaries
as of December 31, 2002 and December 31, 2001, and the related consolidated
statements of operations, stockholders' equity and comprehensive income, and
cash flows for the year ended December 31, 2002, for the six month period ended
December 31, 2001 and for each of the years in the two-year period ended June
30, 2001, which report is incorporated by reference into Cascade Financial
Corporation's 2002 Annual Report on Form 10-K from Cascade Financial
Corporation's 2002 Annual Report to Stockholders.


/s/ KPMG LLP

Seattle, Washington
March 24, 2003