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 27, 2004

                             EVERGREENBANCORP, INC.
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             (Exact Name of Registrant as Specified in Its Charter)

                                   Washington
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                 (State or Other Jurisdiction of Incorporation)

           000-32915                                      91-2097262
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    (Commission File Number)                  (IRS Employer Identification No.)


301 Eastlake Avenue East, Seattle, Washington                    98109
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  (Address of Principal Executive Offices)                    (Zip Code)

                                  206/628-4250
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              (Registrant's Telephone Number, Including Area Code)


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          (Former Name or Former Address, if Changed Since Last Report)

     Check the  appropriate  box below if the Form 8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

|_|  Written  communications  pursuant to Rule 425 under the  Securities Act (17
     CFR 230.425)

|_|  Soliciting  material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
     240.14a-12)

|_|  Pre-commencement   communications  pursuant  to  Rule  14d-2(b)  under  the
     Exchange Act (17 CFR 240.14d-2(b))

|_|  Pre-commencement   communications  pursuant  to  Rule  13e-4(c)  under  the
     Exchange Act (17 CFR 240.13e-4(c))


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Item 2.02       Results of Operations and Financial Condition.

     On October 27, 2004, Registrant issued a press release announcing financial
results for the third  quarter ended  September  30, 2004.  The press release is
attached as Exhibit  99.1 to this  Current  Report on Form 8-K and  incorporated
herein by reference.
     The information in this Current Report on Form 8-K, including Exhibit 99.1,
is  furnished  pursuant  to Item 2.02 and shall  not be deemed  "filed"  for the
purposes of Section 18 of the  Securities  Exchange Act of 1934, as amended,  or
otherwise  subject  to the  liability  of that  section,  nor shall it be deemed
incorporated  by reference in any filing under the  Securities  Act of 1933,  as
amended,  except as shall be expressly set forth by specific reference in such a
filing.

Item 9.01         Financial Statements and Exhibits.

     (c)          The following exhibit is furnished as part of this Form 8-K.

                  Exhibit No.              Description
                  --------------------------------------------------------------
                  99.1                     Press Release, dated October 27, 2004

                                   SIGNATURES

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 hereunto duly authorized.

                                 EVERGREENBANCORP, INC.

Dated:   October 28, 2004
                                 By:/s/ William G. Filer
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                                    William G. Filer
                                    Sr. Vice President & Chief Financial Officer


                                 EXHIBIT INDEX


Exhibit No.                      Exhibit
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  99.1                           Press Release, dated October 27, 2004






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