<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE BOK
FINANCIAL CORPORATION'S 10-K FOR THE PERIOD ENDED DECEMBER 31, 1998 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<CIK> 0000875357
<NAME> BOK FINANCIAL CORPORATION
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                         426,265
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 9,151
<TRADING-ASSETS>                                41,138
<INVESTMENTS-HELD-FOR-SALE>                  2,219,636
<INVESTMENTS-CARRYING>                         227,777
<INVESTMENTS-MARKET>                           227,754
<LOANS>                                      3,551,941
<ALLOWANCE>                                     64,931
<TOTAL-ASSETS>                               6,809,348
<DEPOSITS>                                   4,379,230
<SHORT-TERM>                                 1,622,435
<LIABILITIES-OTHER>                             78,203
<LONG-TERM>                                    224,366
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                         25
<COMMON>                                             3
<OTHER-SE>                                     505,086
<TOTAL-LIABILITIES-AND-EQUITY>               6,809,348
<INTEREST-LOAN>                                258,974
<INTEREST-INVEST>                              124,730
<INTEREST-OTHER>                                 2,883
<INTEREST-TOTAL>                               386,587
<INTEREST-DEPOSIT>                             130,021
<INTEREST-EXPENSE>                             204,335
<INTEREST-INCOME-NET>                          182,252
<LOAN-LOSSES>                                   14,451
<SECURITIES-GAINS>                               9,337
<EXPENSE-OTHER>                                228,655
<INCOME-PRETAX>                                111,965
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    74,716
<EPS-PRIMARY>                                     1.62
<EPS-DILUTED>                                     1.44
<YIELD-ACTUAL>                                    3.72
<LOANS-NON>                                     13,116
<LOANS-PAST>                                     9,414
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 59,659
<ALLOWANCE-OPEN>                                53,101
<CHARGE-OFFS>                                    7,478
<RECOVERIES>                                     4,857
<ALLOWANCE-CLOSE>                               64,931
<ALLOWANCE-DOMESTIC>                            64,931
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         10,969