<ARTICLE>                                            9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  BOK
Financial  Corporation's  10-Q  for the  period  ended  March  31,  1999  and is
qualified in its entirety by reference to such financial statements.
</LEGEND>                                               
<MULTIPLIER>                                  1,000
       
                             
<PERIOD-TYPE>                   3-mos
<FISCAL-YEAR-END>                              Dec-31-1999
<PERIOD-END>                                   MAR-31-1999
<CASH>                                         405,396
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                               8,031
<TRADING-ASSETS>                               51,924
<INVESTMENTS-HELD-FOR-SALE>                    2,375,630
<INVESTMENTS-CARRYING>                         230,190
<INVESTMENTS-MARKET>                           229,719
<LOANS>                                        3,591,398
<ALLOWANCE>                                    67,959
<TOTAL-ASSETS>                                 7,044,000
<DEPOSITS>                                     4,342,835
<SHORT-TERM>                                   1,944,010
<LIABILITIES-OTHER>                            88,580
<LONG-TERM>                                    149,268
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    25
<COMMON>                                       3
<OTHER-SE>                                     519,179
<TOTAL-LIABILITIES-AND-EQUITY>                 7,044,000
<INTEREST-LOAN>                                70,500
<INTEREST-INVEST>                              35,134
<INTEREST-OTHER>                               874
<INTEREST-TOTAL>                               106,508
<INTEREST-DEPOSIT>                             32,500
<INTEREST-EXPENSE>                             56,610
<INTEREST-INCOME-NET>                          49,898
<LOAN-LOSSES>                                  3,370
<SECURITIES-GAINS>                             274
<EXPENSE-OTHER>                                63,593
<INCOME-PRETAX>                                29,800
<INCOME-PRE-EXTRAORDINARY>                     19,817
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   19,817
<EPS-PRIMARY>                                  .43
<EPS-DILUTED>                                  .38
<YIELD-ACTUAL>                                 3.57
<LOANS-NON>                                    15,007
<LOANS-PAST>                                   12,917
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                71,224
<ALLOWANCE-OPEN>                               64,931
<CHARGE-OFFS>                                  1,200
<RECOVERIES>                                   858
<ALLOWANCE-CLOSE>                              67,959
<ALLOWANCE-DOMESTIC>                           67,959
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0