<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>                                  3-mos
<FISCAL-YEAR-END>                              MAR-31-1999
<PERIOD-END>                                   DEC-31-1999
<CASH>                                         412,557
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               17,631
<TRADING-ASSETS>                               51,924
<INVESTMENTS-HELD-FOR-SALE>                    2,506,070
<INVESTMENTS-CARRYING>                         230,190
<INVESTMENTS-MARKET>                           229,719
<LOANS>                                        3,680,926
<ALLOWANCE>                                    68,994
<TOTAL-ASSETS>                                 7,289,409
<DEPOSITS>                                     4,570,143
<SHORT-TERM>                                   1,945,825
<LIABILITIES-OTHER>                            89,290
<LONG-TERM>                                    149,268
<PREFERRED-MANDATORY>                          23
<PREFERRED>                                    2
<COMMON>                                       3
<OTHER-SE>                                     534,755
<TOTAL-LIABILITIES-AND-EQUITY>                 7,289,409
<INTEREST-LOAN>                                72,464
<INTEREST-INVEST>                              36,930
<INTEREST-OTHER>                               1,109
<INTEREST-TOTAL>                               110,503
<INTEREST-DEPOSIT>                             34,455
<INTEREST-EXPENSE>                             56,621
<INTEREST-INCOME-NET>                          51,928
<LOAN-LOSSES>                                  3,430
<SECURITIES-GAINS>                             274
<EXPENSE-OTHER>                                64,760
<INCOME-PRETAX>                                31,278
<INCOME-PRE-EXTRAORDINARY>                     21,295
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   21,295
<EPS-BASIC>                                  .43
<EPS-DILUTED>                                  .38
<YIELD-ACTUAL>                                 3.49
<LOANS-NON>                                    15,945
<LOANS-PAST>                                   13,144
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                72,034
<ALLOWANCE-OPEN>                               65,922
<CHARGE-OFFS>                                  1,217
<RECOVERIES>                                   859
<ALLOWANCE-CLOSE>                              68,994
<ALLOWANCE-DOMESTIC>                           68,994
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0