Operator stated he was traveling across lake into the waves with 3 people in bow when he began to take water over the bow.  Before people could be moved, boat took on enough water to cause instability.  Operator attempted to drive boat to closest shore point, however did not make it prior to water coming over the transom.  Boat sank approx 100 feet from shore.  All people on board were able to exit the craft safely and float to shore with the boat.
Madison