


                                      23.1

                         CONSENT OF INDEPENDENT AUDITORS

     We consent to the incorporation by reference in the Regestration  Statement
(Form  S-8)  and  related  Prospectus  of  BOK  Financial  Corporation  for  the
registration  of 1,800,000  shares of its common stock pursuant to the BOKF 2000
Stock Option Plan of our report  dated  January 26, 1999,  with respect to the
consolidated  financial statements of BOK Financial Corporation  incorporated by
reference in its Annual Report (Form 10-K) for the year ended December 31, 1998,
filed with the Securities and Exchange Commission.


                                                    /s/ ERNST & YOUNG LLP




Tulsa, Oklahoma
December 30, 1999

