23.1









                         CONSENT OF INDEPENDENT AUDITORS



            We consent to the reference to our firm under the caption  "Experts"
in the Registration Statement (Form S-3) and related Prospectus of BOK Financial
Corporation for the  registration of 900,000 shares of its common stock pursuant
to the BOKF 1997 Stock Option Plan and to the incorporation by reference therein
of our report dated January 27, 1997, with respect to the consolidated financial
statements of BOK Financial Corporation  incorporated by reference in its Annual
Report  (Form  10-K)  for the year  ended  December  31,  1996,  filed  with the
Securities and Exchange Commission.


                                                      /s/ ERNST & YOUNG LLP




Tulsa, Oklahoma
July 28, 1997