EXHIBIT 23.4



Board of Directors
Cascade Financial Corporation
2828 Colby Avenue
Everett, WA 98201

March 31, 2004


     We hereby consent to the reference to our firm in the proxy
statement/prospectus related to the proposed merger transaction involving
Issaquah Bancshares, Inc. and Cascade Financial Corporation, and to the
inclusion of our opinion letter  as Appendix C to the proxy
statement/prospectus.

                                        Very truly yours,

                                        COLUMBIA FINANCIAL ADVISORS, INC.


                                        By:  /s/  Robert J. Rogowski
                                        ----------------------------
                                        Robert J. Rogowski