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  Annual  Report  of BOK  Financial  Corporation  ("BOK
Financial")  on Form 10-K for the fiscal year ending  December 31, 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.



March 15, 2006


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



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