
<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  BOK
Financial  Corporations  10-Q for the period  ended  September  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>                   9-mos
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   SEP-30-1999
<CASH>                                        409,014
<INT-BEARING-DEPOSITS>                              0
<FED-FUNDS-SOLD>                              180,170
<TRADING-ASSETS>                               15,945
<INVESTMENTS-HELD-FOR-SALE>                 2,454,018
<INVESTMENTS-CARRYING>                        213,125
<INVESTMENTS-MARKET>                          204,623
<LOANS>                                     4,410,165
<ALLOWANCE>                                    75,186
<TOTAL-ASSETS>                              8,174,327
<DEPOSITS>                                  5,147,238
<SHORT-TERM>                                2,163,924
<LIABILITIES-OTHER>                           138,238
<LONG-TERM>                                   179,704
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                        25
<COMMON>                                            3
<OTHER-SE>                                    545,195
<TOTAL-LIABILITIES-AND-EQUITY>              8,174,327
<INTEREST-LOAN>                               239,302
<INTEREST-INVEST>                             117,690
<INTEREST-OTHER>                                3,177
<INTEREST-TOTAL>                              360,169
<INTEREST-DEPOSIT>                            108,152
<INTEREST-EXPENSE>                            189,188
<INTEREST-INCOME-NET>                         170,981
<LOAN-LOSSES>                                   8,110
<SECURITIES-GAINS>                               (499)
<EXPENSE-OTHER>                               206,259
<INCOME-PRETAX>                                98,343
<INCOME-PRE-EXTRAORDINARY>                     66,029
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                   66,029
<EPS-BASIC>                                    1.33
<EPS-DILUTED>                                    1.18
<YIELD-ACTUAL>                                   3.61
<LOANS-NON>                                    17,866
<LOANS-PAST>                                   12,757
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                76,730
<ALLOWANCE-OPEN>                               65,922
<CHARGE-OFFS>                                   5,341
<RECOVERIES>                                    4,970
<ALLOWANCE-CLOSE>                              75,186
<ALLOWANCE-DOMESTIC>                           75,186
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0



</TABLE>
