Consent Of Independent Auditors


We consent to the incorporation by reference in the Registration Statements
outlined below pertaining to the BOK Financial Thrift Plan for Hourly Employees
of our report dated June 26, 2002, with respect to the financial statements and
schedule of the BOK Financial Thrift Plan for Hourly Employees included in this
Annual Report (Form 11-K) for the year ended December 31, 2001:

     Registration Statement (Form S-8, No. 333-40280)  pertaining to the Reoffer
          Prospectus  of the BOK  Financial  Corporation  Thrift Plan for Hourly
          Employees and Trust Agreement.

     Registration Statement (Form S-8, No. 333-93957)  pertaining to the Reoffer
          Prospectus of the BOK Financial  Corporation 2000 Special Stock Option
          Plan.

     Registration Statement (Form S-8, No. 333-62578)  pertaining to the Reoffer
          Prospectus of the BOK Financial  Corporation 2001 Special Stock Option
          Plan.



/s/Ernst & Young LLP
Tulsa, Oklahoma
June 26, 2002