<ARTICLE>                                            9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  BOK
Financial  Corporations  10-Q for the period  ended  September  30,  1999 and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<CIK>              0000875357
<NAME>             BOK Financial Corporation
<MULTIPLIER>                                   1,000

                             
<PERIOD-TYPE>                   9-mos
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   SEP-30-1998
<CASH>                                         352,892
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               36,826
<TRADING-ASSETS>                               22,730
<INVESTMENTS-HELD-FOR-SALE>                    2,100,329
<INVESTMENTS-CARRYING>                         221,329
<INVESTMENTS-MARKET>                           220,161
<LOANS>                                        3,167,205
<ALLOWANCE>                                    63,057
<TOTAL-ASSETS>                                 6,169,784
<DEPOSITS>                                     4,003,211
<SHORT-TERM>                                   1,332,206
<LIABILITIES-OTHER>                            76,611
<LONG-TERM>                                    243,628
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    23
<COMMON>                                       3
<OTHER-SE>                                     214,102
<TOTAL-LIABILITIES-AND-EQUITY>                 6,169,784
<INTEREST-LOAN>                                196,240
<INTEREST-INVEST>                              97,152
<INTEREST-OTHER>                               2,714
<INTEREST-TOTAL>                               296,106
<INTEREST-DEPOSIT>                             105,153
<INTEREST-EXPENSE>                             156,778
<INTEREST-INCOME-NET>                          139,328
<LOAN-LOSSES>                                  10,504
<SECURITIES-GAINS>                             6,370
<EXPENSE-OTHER>                                171,696
<INCOME-PRETAX>                                86,764
<INCOME-PRE-EXTRAORDINARY>                     59,244
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   59,244
<EPS-BASIC>                                  1.19
<EPS-DILUTED>                                  1.06
<YIELD-ACTUAL>                                 3.72
<LOANS-NON>                                    15,042
<LOANS-PAST>                                   15,714
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                37,087
<ALLOWANCE-OPEN>                               54,044
<CHARGE-OFFS>                                  5,437
<RECOVERIES>                                   3,945
<ALLOWANCE-CLOSE>                              63,056
<ALLOWANCE-DOMESTIC>                           63,056
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0