<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the BOK
Financial Corporation's 10-Q for the period ended June 30,1996 and is qualified
in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                         230,039
<INT-BEARING-DEPOSITS>                             100
<FED-FUNDS-SOLD>                                16,755
<TRADING-ASSETS>                                 6,055
<INVESTMENTS-HELD-FOR-SALE>                  1,440,331
<INVESTMENTS-CARRYING>                         194,386
<INVESTMENTS-MARKET>                           191,420
<LOANS>                                      2,244,698
<ALLOWANCE>                                     42,807
<TOTAL-ASSETS>                               4,380,401
<DEPOSITS>                                   3,211,293
<SHORT-TERM>                                    77,205
<LIABILITIES-OTHER>                             40,682
<LONG-TERM>                                    736,146
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                         23
<COMMON>                                             1
<OTHER-SE>                                     315,051
<TOTAL-LIABILITIES-AND-EQUITY>               4,380,401
<INTEREST-LOAN>                                 96,890
<INTEREST-INVEST>                               44,775
<INTEREST-OTHER>                                 1,171
<INTEREST-TOTAL>                               142,836
<INTEREST-DEPOSIT>                              58,427
<INTEREST-EXPENSE>                              79,587
<INTEREST-INCOME-NET>                           63,249
<LOAN-LOSSES>                                    3,848
<SECURITIES-GAINS>                             (1,985)
<EXPENSE-OTHER>                                 80,416
<INCOME-PRETAX>                                 29,535
<INCOME-PRE-EXTRAORDINARY>                      26,586
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    26,586
<EPS-PRIMARY>                                     1.26
<EPS-DILUTED>                                     1.14
<YIELD-ACTUAL>                                    3.58
<LOANS-NON>                                     23,984
<LOANS-PAST>                                    17,424
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 32,490
<ALLOWANCE-OPEN>                                38,287
<CHARGE-OFFS>                                    2,456
<RECOVERIES>                                     3,128
<ALLOWANCE-CLOSE>                               42,807
<ALLOWANCE-DOMESTIC>                            42,807
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0