0000950134-99-005950 S-3 3 19990702 BOK FINANCIAL CORP ET AL 0000875357 6021 731373454 OK 1231 S-3 33 333-82267 99659084 BANK OF OKLAHOMA TOWER PO BOX 2300 TULSA OK 74192 9185886000 BANK OF OKLAHOMA TOWER P O BOX 2300 TULSA OK 74192 S-3 1 000095013499005950-001-seq1-s-3.txt FORM S-3 EX-5 2 000095013499005950-002-seq2-ex-5.txt OPINION OF FREDERIC DORWART, LAWYERS EX-23 3 000095013499005950-003-seq3-ex-23.txt CONSENT OF ERNST & YOUNG LLP