<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the BOK
Financial Corporation's 10-Q for the period ended March 31, 1996 and is 
qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                         46,238
<INT-BEARING-DEPOSITS>                              0
<FED-FUNDS-SOLD>                               36,000
<TRADING-ASSETS>                                6,753
<INVESTMENTS-HELD-FOR-SALE>                 1,367,894
<INVESTMENTS-CARRYING>                        192,481
<INVESTMENTS-MARKET>                          192,572
<LOANS>                                     2,199,161
<ALLOWANCE>                                    39,561
<TOTAL-ASSETS>                              4,239,715
<DEPOSITS>                                  3,193,015
<SHORT-TERM>                                  658,560
<LIABILITIES-OTHER>                            35,792
<LONG-TERM>                                    46,379
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                        23
<COMMON>                                            1
<OTHER-SE>                                    305,945
<TOTAL-LIABILITIES-AND-EQUITY>              4,239,715
<INTEREST-LOAN>                                47,866
<INTEREST-INVEST>                              22,253
<INTEREST-OTHER>                                  497
<INTEREST-TOTAL>                               70,616
<INTEREST-DEPOSIT>                             28,821
<INTEREST-EXPENSE>                             39,814
<INTEREST-INCOME-NET>                          30,802
<LOAN-LOSSES>                                     911
<SECURITIES-GAINS>                                (18)
<EXPENSE-OTHER>                                37,642
<INCOME-PRETAX>                                18,833
<INCOME-PRE-EXTRAORDINARY>                     18,833
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                   12,995
<EPS-PRIMARY>                                    0.62
<EPS-DILUTED>                                    0.56
<YIELD-ACTUAL>                                   3.53
<LOANS-NON>                                    26,851
<LOANS-PAST>                                   15,023
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                36,653
<ALLOWANCE-OPEN>                               38,287
<CHARGE-OFFS>                                   1,228
<RECOVERIES>                                    1,591
<ALLOWANCE-CLOSE>                              39,561
<ALLOWANCE-DOMESTIC>                           39,561
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0