EXHIBIT 23.1

           Consent of Independent Auditors - Ernst & Young, LLP.



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                        CONSENT OF INDEPENDENT AUDITORS
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We consent to the reference to our firm under the caption "Experts" in the
Registration Statement (Form S-4) and related Prospectus of BOK Financial
Corporation for the registration of up to $51,978,000 principal amount of
promissory notes and to the incorporation by reference therein of our report
dated January 29, 1996, with respect to the consolidated financial statements of
BOK Financial Corporation incorporated by reference in its Annual Report (Form
10-K) for the year ended December 31, 1995, filed with the Securities and
Exchange Commission.





November 14, 1996
Tulsa, Oklahoma




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