64


                                  Exhibit 23.0

                          Consent of Ernst & Young LLP

                                                       
<PAGE>65







The Board of Directors
BOK Financial Corporation:

         We consent to the reference of our firm under the caption  "Experts" in
the  Registration  Statement (Form S-3) and related  Prospectus of BOK Financial
Corporation  for the  registration of $250,000,000 of Senior Debt Securities and
to the  incorporation by reference  therein of our report dated January 27, 1998
with respect to the consolidated financial of BOK Financial Corporation included
in its Annual Report (Form 10-K) for the year ended December 31, 1997 filed with
the Securities and Exchange Commission.

                                            /s/ ERNST & YOUNG LLP

Tulsa Oklahoma
October 9, 1998


                                                       

