<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the BOK
Financial Corporation's 10-Q for the period ended September 30, 1997 and is
qualified in its entiriety by reference to such financial statements.
</LEGEND>
<CIK> 0000875357
<NAME> BOK FINANCIAL CORPORATION
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                         340,635
<INT-BEARING-DEPOSITS>                             100
<FED-FUNDS-SOLD>                                37,850
<TRADING-ASSETS>                                 2,555
<INVESTMENTS-HELD-FOR-SALE>                  1,719,554
<INVESTMENTS-CARRYING>                         214,703
<INVESTMENTS-MARKET>                           214,980
<LOANS>                                      2,769,998
<ALLOWANCE>                                     52,393
<TOTAL-ASSETS>                               5,378,152
<DEPOSITS>                                   3,592,106
<SHORT-TERM>                                 1,133,515
<LIABILITIES-OTHER>                             85,585
<LONG-TERM>                                    150,708
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                         23
<COMMON>                                             1
<OTHER-SE>                                     416,214
<TOTAL-LIABILITIES-AND-EQUITY>               5,378,152
<INTEREST-LOAN>                                166,222
<INTEREST-INVEST>                               85,446
<INTEREST-OTHER>                                 2,461
<INTEREST-TOTAL>                               254,129
<INTEREST-DEPOSIT>                              90,943
<INTEREST-EXPENSE>                             140,241
<INTEREST-INCOME-NET>                          113,888
<LOAN-LOSSES>                                    5,526
<SECURITIES-GAINS>                                 871
<EXPENSE-OTHER>                                133,889
<INCOME-PRETAX>                                 70,651
<INCOME-PRE-EXTRAORDINARY>                      70,651
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    47,807
<EPS-PRIMARY>                                     2.16
<EPS-DILUTED>                                     1.95
<YIELD-ACTUAL>                                    3.63
<LOANS-NON>                                     23,182
<LOANS-PAST>                                    20,551
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 64,049
<ALLOWANCE-OPEN>                                45,148
<CHARGE-OFFS>                                    5,177
<RECOVERIES>                                     4,371
<ALLOWANCE-CLOSE>                               52,393
<ALLOWANCE-DOMESTIC>                            52,393
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0