Exhibit 23.0
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 Salaried
Employees of our report dated May 12, 2003, with respect to the financial
statements and schedule of the BOK Financial Thrift Plan for Salaried Employees
included in this Annual Report (Form 11-K) for the year ended December 31, 2002:

o    Registration  Statement (Form S-8, No. 33-44121)  pertaining to the Reoffer
     Prospectus of the Bank of Oklahoma Master Thrift Plan and Trust Agreement.

o    Registration  Statement (Form S-8, No. 33-70102)  pertaining to the Reoffer
     Prospectus of the BOK Financial Corporation 1993 Special Stock Option Plan.

o    Registration  Statement (Form S-8, No. 33-79834)  pertaining to the Reoffer
     Prospectus of the BOK Financial Corporation 1994 Special Stock Option Plan.

o    Registration  Statement (Form S-8, No. 33-79836)  pertaining to the Reoffer
     Prospectus of the BOK Financial  Corporation  Directors' Stock Compensation
     Plan.

o    Registration  Statement (Form S-8, No. 333-32649) pertaining to the Reoffer
     Prospectus of the BOK Financial Corporation 1997 Special Stock Option Plan.

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

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

o    Registration Statement (Form S-8, No. 333-100595) pertaining to the Reoffer
     Prospectus of the BOK Financial  Corporation  Bank of Tanglewood 1996 Stock
     Option Plan.

o    Registration  Statement (Form S-8) pertaining to the Reoffer  Prospectus of
     the BOK Financial Corporation 2003 Executive Incentive Plan.

o    Registration  Statement (Form S-8) pertaining to the Reoffer  Prospectus of
     the BOK Financial Corporation 2003 Stock Option Plan.

/s/Ernst & Young, LLP
Tulsa, Oklahoma
June 25, 2003