<ARTICLE>                                            9
<LEGEND>
     This schedule  contains summary  financial  information  extracted from BOK
     Financial Corporation's 10-Q for the period ended September 30, 2000 and is
     qualified in its entirety by reference to such financial statements.
</LEGEND>
<CIK>                   0000875357
<NAME>                  BOK Financial Corporation
<MULTIPLIER>                                   1,000

                             
<PERIOD-TYPE>                   9-mos
<FISCAL-YEAR-END>                              Dec-31-2000
<PERIOD-END>                                   Sep-30-2000
<CASH>                                           503,583
<INT-BEARING-DEPOSITS>                                 0
<FED-FUNDS-SOLD>                                  38,690
<TRADING-ASSETS>                                  18,218
<INVESTMENTS-HELD-FOR-SALE>                    2,569,722
<INVESTMENTS-CARRYING>                           230,453
<INVESTMENTS-MARKET>                             230,081
<LOANS>                                        5,198,529
<ALLOWANCE>                                       81,445
<TOTAL-ASSETS>                                 9,016,000
<DEPOSITS>                                     5,746,335
<SHORT-TERM>                                   2,076,059
<LIABILITIES-OTHER>                               89,840
<LONG-TERM>                                      456,887
<PREFERRED-MANDATORY>                                 13
<PREFERRED>                                           12
<COMMON>                                               3
<OTHER-SE>                                       646,851
<TOTAL-LIABILITIES-AND-EQUITY>                 9,016,000
<INTEREST-LOAN>                                  328,486
<INTEREST-INVEST>                                133,531
<INTEREST-OTHER>                                   3,218
<INTEREST-TOTAL>                                 465,235
<INTEREST-DEPOSIT>                               148,693
<INTEREST-EXPENSE>                               265,540
<INTEREST-INCOME-NET>                            199,695
<LOAN-LOSSES>                                     11,204
<SECURITIES-GAINS>                                (1,237)
<EXPENSE-OTHER>                                  223,497
<INCOME-PRETAX>                                  108,973
<INCOME-PRE-EXTRAORDINARY>                        74,644
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                      74,644
<EPS-BASIC>                                         1.50
<EPS-DILUTED>                                       1.34
<YIELD-ACTUAL>                                      3.59
<LOANS-NON>                                       37,179
<LOANS-PAST>                                      10,931
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                  116,600
<ALLOWANCE-OPEN>                                  76,234
<CHARGE-OFFS>                                      9,067
<RECOVERIES>                                       3,074
<ALLOWANCE-CLOSE>                                 81,445
<ALLOWANCE-DOMESTIC>                              81,445
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0