UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): October 1, 2004 - ------------------------------------------------------------------------------- CASCADE FINANCIAL CORPORATION - ------------------------------------------------------------------------------- (Exact name of registrant as specified in its charter) Washington 000-25286 91-1661954 - ------------------------------------------------------------------------------- (State of other jurisdiction (Commission (IRS Employer of incorporation) File Number) Identification No.) 2828 Colby Avenue, Everett, WA 98201 - ------------------------------------------------------------------------------- (Address of principal executive offices, including Zip Code) Registrant's telephone number, including area code: (425) 339-5500 - ------------------------------------------------------------------------------- ITEM 8.01 Other Events On October 1, 2004, Cascade Financial Corporation (the "Company"), parent company of Cascade Bank, declared a $.08 quarterly cash dividend. The dividend will be paid on October 27, 2004 to shareholders of record on October 13, 2004. The Press Release announcing the declaration of dividend is attached as Exhibit 99. ITEM 9.01 Exhibits 99 Press Release dated October 1, 2004. 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 1, 2004 CASCADE FINANCIAL CORPORATION By: /s/ Carol K. Nelson -------------------------- Carol K. Nelson President and CEO