
<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>
This  Schedule  contains  summary  financial   information  extracted  from  BOK
Financial  Corporation's  10-Q for the period  ended  September  30, 1998 and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<CIK>                         0000875357
<NAME>                        BOK Financial Corporation
<MULTIPLIER>                                   1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-mos
<FISCAL-YEAR-END>                              Dec-31-1998
<PERIOD-END>                                   Sep-30-1998
<CASH>                                         346,183
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               35,936
<TRADING-ASSETS>                               22,730
<INVESTMENTS-HELD-FOR-SALE>                    1,981,415
<INVESTMENTS-CARRYING>                         221,329
<INVESTMENTS-MARKET>                           220,161
<LOANS>                                        3,068,514
<ALLOWANCE>                                    62,131
<TOTAL-ASSETS>                                 5,935,001
<DEPOSITS>                                     3,788,327
<SHORT-TERM>                                   1,332,206
<LIABILITIES-OTHER>                            75,581
<LONG-TERM>                                    243,628
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    23
<COMMON>                                       1
<OTHER-SE>                                     495,235
<TOTAL-LIABILITIES-AND-EQUITY>                 5,935,001
<INTEREST-LOAN>                                189,928
<INTEREST-INVEST>                              91,677
<INTEREST-OTHER>                               1,595
<INTEREST-TOTAL>                               284,013
<INTEREST-DEPOSIT>                             99,183
<INTEREST-EXPENSE>                             150,737
<INTEREST-INCOME-NET>                          133,276
<LOAN-LOSSES>                                  10,424
<SECURITIES-GAINS>                             6,370
<EXPENSE-OTHER>                                167,834
<INCOME-PRETAX>                                83,026
<INCOME-PRE-EXTRAORDINARY>                     83,026
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   55,501
<EPS-PRIMARY>                                  2.48
<EPS-DILUTED>                                  2.21
<YIELD-ACTUAL>                                 3.72
<LOANS-NON>                                    14,013
<LOANS-PAST>                                   15,594
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                37,087
<ALLOWANCE-OPEN>                               53,101
<CHARGE-OFFS>                                  5,230
<RECOVERIES>                                   3,926
<ALLOWANCE-CLOSE>                              62,131
<ALLOWANCE-DOMESTIC>                           62,131
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0
        



</TABLE>
