1



                                                       BOK FINANCIAL CORPORATION
                                                                    EXHIBIT 23.0


                         CONSENT OF INDEPENDENT AUDITORS

We consent to the incorporation by reference of our report dated January 26,
1999, with respect to the consolidated financial statements of BOK Financial
Corporation incorporated by reference in the annual report (Form 10-K) for the
year ended December 31, 1998, in the following registration statements:

o        Registration Statement (Form S-8, No. 33-44121) pertaining to the
         Reoffer Prospectus of the Bank of Oklahoma Master Thrift Plan and Trust
         Agreement.

o        Registration Statement (Form S-8, No. 33-44122) pertaining to the
         Reoffer Prospectus of the BOK Financial Corporation 1991 Special Stock
         Option Plan.

o        Registration Statement (Form S-8, No. 33-55312) pertaining to the
         Reoffer Prospectus of the BOK Financial Corporation 1992 Stock Option
         Plan.

o        Registration Statement (Form S-8, No. 33-70102) pertaining to the
         Reoffer Prospectus of the BOK Financial Corporation 1993 Stock Option
         Plan.

o        Registration Statement (Form S-8, No. 33-79834) pertaining to the
         Reoffer Prospectus of the BOK Financial Corporation 1994 Stock Option
         Plan.

o        Registration Statement (Form S-8, No. 33-79836) pertaining to the
         Reoffer Prospectus of the BOK Financial Corporation Directors' Stock
         Compensation Plan.

o        Registration Statement (Form S-8, No. 33-32642) pertaining to the
         Reoffer Prospectus of BOK Financial Corporation 1998 Stock Option Plan.



/s/ Ernst & Young LLP
Tulsa, Oklahoma
March 22, 1999