<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the BOK
Financial Corporation's 10_Q for the period ended September 30, 1996 and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                         313,441
<INT-BEARING-DEPOSITS>                             100
<FED-FUNDS-SOLD>                                31,225
<TRADING-ASSETS>                                 4,015
<INVESTMENTS-HELD-FOR-SALE>                  1,425,362
<INVESTMENTS-CARRYING>                         200,961
<INVESTMENTS-MARKET>                           199,221
<LOANS>                                      2,319,844
<ALLOWANCE>                                     44,959
<TOTAL-ASSETS>                               4,472,693
<DEPOSITS>                                   3,235,946
<SHORT-TERM>                                   760,843
<LIABILITIES-OTHER>                             42,962
<LONG-TERM>                                     99,765
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                         23
<COMMON>                                             1
<OTHER-SE>                                     333,177
<TOTAL-LIABILITIES-AND-EQUITY>               4,472,693
<INTEREST-LOAN>                                145,984
<INTEREST-INVEST>                               68,201
<INTEREST-OTHER>                                 1,541
<INTEREST-TOTAL>                               215,726
<INTEREST-DEPOSIT>                              88,211
<INTEREST-EXPENSE>                             120,531
<INTEREST-INCOME-NET>                           95,195
<LOAN-LOSSES>                                    3,910
<SECURITIES-GAINS>                             (1,985)
<EXPENSE-OTHER>                                120,713
<INCOME-PRETAX>                                 48,350
<INCOME-PRE-EXTRAORDINARY>                      39,561
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    39,561
<EPS-PRIMARY>                                     1.87
<EPS-DILUTED>                                     1.69
<YIELD-ACTUAL>                                    3.57
<LOANS-NON>                                     19,614
<LOANS-PAST>                                    17,379
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 44,222
<ALLOWANCE-OPEN>                                38,287
<CHARGE-OFFS>                                    5,026
<RECOVERIES>                                     7,788
<ALLOWANCE-CLOSE>                               44,959
<ALLOWANCE-DOMESTIC>                            44,959
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0