UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT
     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event report)         August 19, 1999
                                                  ------------------------------
                            BOK Financial Corporation
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             (Exact name of registrant as specified in its charter)


  Oklahoma                         000-19341                         73-1373454
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(State or other jurisdiction      (Commission                      (IRS Employer
 of incorporation)                 File Number)              Identification No.)


Bank of Oklahoma Tower, Boston Avenue at Second Street, Tulsa, Oklahoma 74172
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              (Address of principal executive offices)                (Zip Code)

Registrant's telephone number, including area code     (918) 588-6416
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         (Former name or former address, if changed since last report.)






                    INFORMATION TO BE INCLUDED IN THE REPORT



Item 5.  Other Events.

         BOK  Financial  Corporation  announces  it has earned  $8.0  million on
revenues of $36.6 million for July 1999 on a combined  basis with the results of
First  Bancshares  of Muskogee,  Inc. This is equivalent to 15 cents per diluted
share,  and 17 cents per basic share. BOK Financial  Corporation  acquired First
Bancshares of Muskogee,  Inc. in a pooling of interests  transaction on June 29,
1999.



                                   SIGNATURES

         Pursuant to the  requirements  of the Securities  Exchange Act of 1934,
the  registrant  has duly  caused  this report to be signed on its behalf by the
undersigned hereunto duly authorized.


                                                      BOK FINANCIAL CORPORATION



Dated:   August 19, 1999                      By:  /s/ James A. White
                                              ----------------------------------
                                              James A. White
                                              Executive Vice President and
                                              Chief Financial Officer