<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from BOK
Finanacial Corporation's 10-Q for the period ended March 31, 1997 and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                         410,369
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 5,450
<TRADING-ASSETS>                                19,027
<INVESTMENTS-HELD-FOR-SALE>                  1,873,390
<INVESTMENTS-CARRYING>                         221,825
<INVESTMENTS-MARKET>                           222,545
<LOANS>                                      2,836,296
<ALLOWANCE>                                     54,839
<TOTAL-ASSETS>                               5,632,667
<DEPOSITS>                                   4,019,374
<SHORT-TERM>                                   959,320
<LIABILITIES-OTHER>                             56,134
<LONG-TERM>                                    149,204
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                         23
<COMMON>                                             1
<OTHER-SE>                                     448,611
<TOTAL-LIABILITIES-AND-EQUITY>               5,632,667
<INTEREST-LOAN>                                 60,737
<INTEREST-INVEST>                               31,153
<INTEREST-OTHER>                                   854
<INTEREST-TOTAL>                                92,744
<INTEREST-DEPOSIT>                              33,383
<INTEREST-EXPENSE>                              50,708
<INTEREST-INCOME-NET>                           42,036
<LOAN-LOSSES>                                    2,470
<SECURITIES-GAINS>                               2,512
<EXPENSE-OTHER>                                 57,193
<INCOME-PRETAX>                                 23,160
<INCOME-PRE-EXTRAORDINARY>                      16,313
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    16,313
<EPS-PRIMARY>                                      .73
<EPS-DILUTED>                                      .65
<YIELD-ACTUAL>                                    3.65
<LOANS-NON>                                     18,815
<LOANS-PAST>                                    18,330
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 51,647
<ALLOWANCE-OPEN>                                53,101
<CHARGE-OFFS>                                    1,527
<RECOVERIES>                                       795
<ALLOWANCE-CLOSE>                               54,839
<ALLOWANCE-DOMESTIC>                            54,839
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0