EXHIBIT 99.3 EVERGREENBANCORP, INC. AMENDED 2000 STOCK OPTION PLAN NONQUALIFIED STOCK OPTION LETTER AGREEMENT TO: _________________________ The Plan Administrator of the EvergreenBancorp, Inc. Amended 2000 Stock Option Plan (the "Plan") is pleased to...

                                                                    EXHIBIT 99.3

              EVERGREENBANCORP, INC. AMENDED 2000 STOCK OPTION PLAN
                   NONQUALIFIED STOCK OPTION LETTER AGREEMENT

TO: _________________________

      The Plan Administrator of the EvergreenBancorp, Inc. Amended 2000 Stock
Option Plan (the "Plan") is pleased to inform you that you have been selected to
receive a grant of a nonqualified stock option under the Plan. Subject to the
terms and conditions set forth below and in the Plan, you are hereby granted a
nonqualified stock option under the Plan for the purchase of __________ shares
of the Common Stock of EvergreenBancorp (the "Company") at an exercise price of
$ ______ per share. A copy of the Plan is attached and incorporated into this
Agreement by reference.

      TERM: The term of the option is 10 years from the date of this Agreement
and therefore, to the extent not exercised, will automatically terminate on
______, unless sooner terminated.

      EXERCISE: During your lifetime, only you can exercise the option. The Plan
also provides for exercise of the option by the personal representative of your
estate or the beneficiary thereof following your death. You may use the Notice
of Exercise of Nonqualified Stock Option in the form attached to this Agreement
when you exercise the option.

      PAYMENT FOR SHARES: At the discretion of the Plan Administrator, the
option may be exercised by the delivery of cash, personal check (unless the Plan
Administrator decides at the time of exercise not to accept a personal check),
bank certified or cashier's check, or Company stock. At the sole discretion of
the Plan Administrator, all or part of the required payment may be pursuant to
an alternative arrangement, according to the terms dictated by the Plan
Administrator and the Plan.

      TERMINATION: If your employment with the Company terminates, the unvested
portion of the option will expire. If you are terminated for "cause," as defined
in the Plan, your entire unexercised option immediately terminates, including
vested and unvested amounts. For a termination other than cause, and for reasons
other than death or disability, vested portions of outstanding options may be
exercised for up to three months following your termination, unless the term of
the option expires sooner. If your termination is due to death or "permanent and
total disability" (as defined in the Plan), you (or your estate or beneficiary)
may exercise the vested portion of your option for one year following your
termination, unless the term of the option expires sooner.



      TRANSFER OF OPTION: The option is not transferable except by will or by
the applicable laws of descent and distribution, except that you may (with the
Plan Administrator's consent) transfer the option to a revocable trust you have
created for the benefit of your family members, to an immediate family member,
or to a partnership in which only family members or family trusts are partners.

      VESTING:



    PERIOD OF YOUR CONTINUOUS EMPLOYMENT              PORTION OF TOTAL OPTION WHICH
WITH THE COMPANY FROM THE DATE OF THIS LETTER                 IS EXERCISABLE
---------------------------------------------         -----------------------------
                                                   
                After 1 year                                       20%
                after 2 years                                      40%
                after 3 years                                      60%
                after 4 years                                      80%
                after 5 years                                     100%


      TAXATION: The date of grant of this option is ______. If you exercise the
option and receive Common Stock of the Company, you will have taxable income in
an amount equal to the difference between the fair market value of the stock (as
of the date of exercise) and the exercise price you pay. Because this amount is
taxed as compensation, it may require the Company to withhold income and payroll
taxes from other income paid to you. You should consider obtaining tax advice
before exercising your option.

      YOUR PARTICULAR ATTENTION IS DIRECTED TO SECTION 8 OF THE PLAN, WHICH
DESCRIBES CERTAIN IMPORTANT CONDITIONS RELATING TO FEDERAL AND STATE SECURITIES
LAWS THAT MUST BE SATISFIED BEFORE THE OPTION CAN BE EXERCISED AND BEFORE THE
COMPANY CAN ISSUE ANY SHARES TO YOU. THE COMPANY HAS NO OBLIGATION TO REGISTER
THE SHARES THAT WOULD BE ISSUED UPON THE EXERCISE OF YOUR OPTION, AND IF IT
NEVER REGISTERS THE SHARES, YOU MAY NOT BE ABLE TO SELL THE SHARES YOU RECEIVE
UPON EXERCISE. AT THE PRESENT TIME, EXEMPTIONS FROM REGISTRATION UNDER FEDERAL
AND STATE SECURITIES LAWS ARE VERY LIMITED AND MIGHT BE UNAVAILABLE TO YOU PRIOR
TO THE EXPIRATION OF THE OPTION. CONSEQUENTLY, YOU MIGHT HAVE NO OPPORTUNITY TO
EXERCISE THE OPTION AND RECEIVE, UPON SUCH EXERCISE, SHARES CAPABLE OF BEING
RESOLD.

                                                      Very truly yours,

                                                      EVERGREENBANCORP, INC.

                                                      By _______________________



                          ACCEPTANCE AND ACKNOWLEDGMENT

      I, as a resident of the State of Washington, accept the nonqualified stock
option described above and in the EvergreenBancorp, Inc. Amended 2000 Stock
Option Plan and acknowledge receipt of a copy of this Agreement, including a
copy of the Plan. I have reviewed the Plan and am aware of its terms, including
the provisions of Section 8.

      Dated: _______________                          __________________________
                                                      Signature of Optionee

      By his or her signature below, the spouse of the Optionee, if such
Optionee is legally married as of the date of this Agreement, acknowledges that
having read this Agreement and the Plan, and being familiar with the terms and
provisions thereof, agrees to be bound by all the terms and conditions of this
Agreement and the Plan.

      Dated: _______________                          __________________________
                                                      Spouse's Signature

                                                      __________________________
                                                      Printed Name

      By his or her signature below, the Optionee represents that he or she is
not legally married as of the date of this Agreement.

      Dated: _______________                          __________________________
                                                      Signature of Optionee