<ARTICLE>                     9
<LEGEND>
    This schedule contains summary financial information extracted from the BOK
Financial Corporation's 10-K for the period ended Decmeber 31, 1999 and is
qualified in its entirety by reference to such financial statments.
</LEGEND>
<CIK>                   0000875357
<NAME>                  BOK Financial Corporation
<MULTIPLIER>                                   1,000

                                            
<PERIOD-TYPE>                                  Year
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   DEC-31-1999
<CASH>                                         397,895
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               28,960
<TRADING-ASSETS>                               14,452
<INVESTMENTS-HELD-FOR-SALE>                    2,588,704
<INVESTMENTS-CARRYING>                         213,180
<INVESTMENTS-MARKET>                           211,624
<LOANS>                                        4,643,489
<ALLOWANCE>                                    76,234
<TOTAL-ASSETS>                                 8,373,997
<DEPOSITS>                                     5,263,184
<SHORT-TERM>                                   1,713,620
<LIABILITIES-OTHER>                            91,143
<LONG-TERM>                                    718,725
<PREFERRED-MANDATORY>                          23
<PREFERRED>                                    2
<COMMON>                                       3
<OTHER-SE>                                     557,136
<TOTAL-LIABILITIES-AND-EQUITY>                 8,373,997
<INTEREST-LOAN>                                336,630
<INTEREST-INVEST>                              159,134
<INTEREST-OTHER>                               4,510
<INTEREST-TOTAL>                               500,274
<INTEREST-DEPOSIT>                             150,621
<INTEREST-EXPENSE>                             264,150
<INTEREST-INCOME-NET>                          236,124
<LOAN-LOSSES>                                  10,365
<SECURITIES-GAINS>                             (419)
<EXPENSE-OTHER>                                280,516
<INCOME-PRETAX>                                133,695
<INCOME-PRE-EXTRAORDINARY>                     89,226
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   89,226
<EPS-BASIC>                                  1.79
<EPS-DILUTED>                                  1.60
<YIELD-ACTUAL>                                 3.63
<LOANS-NON>                                    19,465
<LOANS-PAST>                                   11,336
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                6,600
<ALLOWANCE-OPEN>                               65,922
<CHARGE-OFFS>                                  7,348
<RECOVERIES>                                   5,770
<ALLOWANCE-CLOSE>                              76,234
<ALLOWANCE-DOMESTIC>                           76,234
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        8,899