
<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
          This schedule  contains summary financial  information  extracted from
     BOK Financial  Corporation's 10-Q for the period ended June 30, 1999 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>                   6-mos
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   JUN-30-1998
<CASH>                                         450,700
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               37,865
<TRADING-ASSETS>                               29,240
<INVESTMENTS-HELD-FOR-SALE>                    1,919,488
<INVESTMENTS-CARRYING>                         222,038
<INVESTMENTS-MARKET>                           222,159
<LOANS>                                        2,975,085
<ALLOWANCE>                                    58,676
<TOTAL-ASSETS>                                 5,939,453
<DEPOSITS>                                     4,131,013
<SHORT-TERM>                                   801,688
<LIABILITIES-OTHER>                            80,118
<LONG-TERM>                                    296,074
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    23
<COMMON>                                       3
<OTHER-SE>                                     482,163
<TOTAL-LIABILITIES-AND-EQUITY>                 5,939,453
<INTEREST-LOAN>                                127,648
<INTEREST-INVEST>                              63,960
<INTEREST-OTHER>                               1,909
<INTEREST-TOTAL>                               193,517
<INTEREST-DEPOSIT>                             70,812
<INTEREST-EXPENSE>                             103,050
<INTEREST-INCOME-NET>                          90,467
<LOAN-LOSSES>                                  6,443
<SECURITIES-GAINS>                             5,832
<EXPENSE-OTHER>                                113,525
<INCOME-PRETAX>                                56,720
<INCOME-PRE-EXTRAORDINARY>                     39,249
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   39,249
<EPS-BASIC>                                  0.81
<EPS-DILUTED>                                  0.72
<YIELD-ACTUAL>                                 3.72
<LOANS-NON>                                    15,711
<LOANS-PAST>                                   21,684
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                76,000
<ALLOWANCE-OPEN>                               55,734
<CHARGE-OFFS>                                  2,321
<RECOVERIES>                                   1,290
<ALLOWANCE-CLOSE>                              58,676
<ALLOWANCE-DOMESTIC>                           58,676
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0



</TABLE>
