<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the BOK
Financial Corporation's 10-K for the period ended December 31, 1997 and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                         371,321
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                18,005
<TRADING-ASSETS>                                 4,999
<INVESTMENTS-HELD-FOR-SALE>                  1,749,411
<INVESTMENTS-CARRYING>                         213,111
<INVESTMENTS-MARKET>                           214,125
<LOANS>                                      2,765,093
<ALLOWANCE>                                     53,101
<TOTAL-ASSETS>                               5,399,642
<DEPOSITS>                                   3,728,079
<SHORT-TERM>                                   906,458
<LIABILITIES-OTHER>                             61,828
<LONG-TERM>                                    267,800
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                         23
<COMMON>                                             1
<OTHER-SE>                                     435,453
<TOTAL-LIABILITIES-AND-EQUITY>               5,399,642
<INTEREST-LOAN>                                227,044
<INTEREST-INVEST>                              114,225
<INTEREST-OTHER>                                 2,992
<INTEREST-TOTAL>                               344,548
<INTEREST-DEPOSIT>                             122,042
<INTEREST-EXPENSE>                             188,948
<INTEREST-INCOME-NET>                          155,600
<LOAN-LOSSES>                                    9,026
<SECURITIES-GAINS>                             (1,329)
<EXPENSE-OTHER>                                195,166
<INCOME-PRETAX>                                 81,107
<INCOME-PRE-EXTRAORDINARY>                      64,625
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    64,625
<EPS-PRIMARY>                                     2.89
<EPS-DILUTED>                                     2.58
<YIELD-ACTUAL>                                    3.66
<LOANS-NON>                                     18,767
<LOANS-PAST>                                    17,971
<LOANS-TROUBLED>                                   207
<LOANS-PROBLEM>                                 57,000
<ALLOWANCE-OPEN>                                45,148
<CHARGE-OFFS>                                    9,203
<RECOVERIES>                                     5,605
<ALLOWANCE-CLOSE>                               53,101
<ALLOWANCE-DOMESTIC>                            53,101
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         14,081