Exhibit 32

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


In connection  with the  Quarterly  Report of BOK  Financial  Corporation  ("BOK
Financial")  on Form 10-Q for the fiscal  period  ending June 30, 2005 as filed
with the Securities and Exchange  Commission on the date hereof (the  "Report"),
we, Stanley A. Lybarger and Steven E. Nell,  Chief  Executive  Officer and Chief
Financial  Officer,  respectively,  of BOK  Financial,  certify,  pursuant to 18
U.S.C.  ss. 1350, as adopted  pursuant to ss. 906 of the  Sarbanes-Oxley  Act of
2002, that to our knowledge:

(1)      The Report fully complies with the requirements of Section 13(a) or
         15(d) of the Securities Exchange Act of 1934; and

(2)      The information contained in the Report fairly presents, in all
         material respects, the financial condition and results of operations of
         BOK Financial as of, and for, the periods presented.



August 9, 2005



/s/ Stanley A. Lybarger
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Stanley A. Lybarger
President
Chief Executive Officer
BOK Financial Corporation


/s/ Steven E. Nell
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Steven E. Nell
Executive Vice President
Chief Financial Officer
BOK Financial Corporation