<ARTICLE>                                              9
<LEGEND>
     This schedule contains summary financial information extracted from the BOK
Financial  Corporation's  10-K for the period  ended  December  31,  1996 and is
qualified in its entirety by reference to such financial statments.
</LEGEND>                                               
<MULTIPLIER>                                         1,000
       
                                
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                              Dec-31-1996       
<PERIOD-START>                                 Jan-01-1996
<PERIOD-END>                                   Dec-31-1996
<CASH>                                             322,791
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                    44,760
<TRADING-ASSETS>                                     6,454
<INVESTMENTS-HELD-FOR-SALE>                      1,459,122
<INVESTMENTS-CARRYING>                             198,408
<INVESTMENTS-MARKET>                               199,549
<LOANS>                                          2,394,580
<ALLOWANCE>                                         45,148
<TOTAL-ASSETS>                                   4,620,700
<DEPOSITS>                                       3,256,755
<SHORT-TERM>                                       843,604
<LIABILITIES-OTHER>                                 57,675
<LONG-TERM>                                        102,700
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                             23
<COMMON>                                                 1
<OTHER-SE>                                         359,942
<TOTAL-LIABILITIES-AND-EQUITY>                   4,620,700
<INTEREST-LOAN>                                    196,309
<INTEREST-INVEST>                                   92,253
<INTEREST-OTHER>                                     1,630
<INTEREST-TOTAL>                                   290,532
<INTEREST-DEPOSIT>                                 118,066
<INTEREST-EXPENSE>                                 163,093
<INTEREST-INCOME-NET>                              127,439
<LOAN-LOSSES>                                        4,267
<SECURITIES-GAINS>                                  (2,607)
<EXPENSE-OTHER>                                    159,028
<INCOME-PRETAX>                                     69,456
<INCOME-PRE-EXTRAORDINARY>                          54,127
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                        54,127
<EPS-PRIMARY>                                         2.48
<EPS-DILUTED>                                         2.24
<YIELD-ACTUAL>                                        3.54
<LOANS-NON>                                         18,835
<LOANS-PAST>                                        18,816
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                     40,000
<ALLOWANCE-OPEN>                                    38,287
<CHARGE-OFFS>                                        6,510
<RECOVERIES>                                         9,104
<ALLOWANCE-CLOSE>                                   45,148
<ALLOWANCE-DOMESTIC>                                45,148
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              9,225