
<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary financial information extracted from the BOK
Financial Corporation's 10-K for the period ended Decmeber 31, 1999 and is
qualified in its entirety by reference to such financial statments.
</LEGEND>
<CIK>                   0000875357
<NAME>                  BOK Financial Corporation
<MULTIPLIER>                                   1,000

<S>                             <C>                         <C>
<PERIOD-TYPE>                   Year                        Year
<FISCAL-YEAR-END>               DEC-31-1998                 DEC-31-1997
<PERIOD-END>                    DEC-31-1998                 DEC-31-1997
<CASH>                          431,874                     378,500
<INT-BEARING-DEPOSITS>          0                           0
<FED-FUNDS-SOLD>                39,551                      21,605
<TRADING-ASSETS>                41,138                      4,999
<INVESTMENTS-HELD-FOR-SALE>     2,329,375                   1,852,385
<INVESTMENTS-CARRYING>          227,777                     213,111
<INVESTMENTS-MARKET>            227,754                     214,125
<LOANS>                         3,647,099                   2,856,021
<ALLOWANCE>                     65,922                      54,044
<TOTAL-ASSETS>                  7,059,507                   5,613,233
<DEPOSITS>                      4,607,727                   3,924,405
<SHORT-TERM>                    1,511,331                   855,822
<LIABILITIES-OTHER>             73,693                      62,690
<LONG-TERM>                     336,620                     318,436
<PREFERRED-MANDATORY>           23                          23
<PREFERRED>                     2                           0
<COMMON>                        3                           3
<OTHER-SE>                      524,765                     451,854
<TOTAL-LIABILITIES-AND-EQUITY>  7,059,507                   5,613,233
<INTEREST-LOAN>                 267,458                     234,568
<INTEREST-INVEST>               132,007                     118,952
<INTEREST-OTHER>                3,367                       3,554
<INTEREST-TOTAL>                402,832                     357,074
<INTEREST-DEPOSIT>              138,004                     127,802
<INTEREST-EXPENSE>              212,406                     194,842
<INTEREST-INCOME-NET>           190,426                     162,232
<LOAN-LOSSES>                   14,591                      9,256
<SECURITIES-GAINS>              9,337                       (1,329)
<EXPENSE-OTHER>                 233,995                     199,854
<INCOME-PRETAX>                 116,860                     84,678
<INCOME-PRE-EXTRAORDINARY>      79,611                      68,155
<EXTRAORDINARY>                 0                           0
<CHANGES>                       0                           0
<NET-INCOME>                    79,611                      68,155
<EPS-BASIC>                   1.60                        1.36
<EPS-DILUTED>                   1.43                        1.23
<YIELD-ACTUAL>                  3.72                        3.68
<LOANS-NON>                     14,095                      19,761
<LOANS-PAST>                    9,553                       10,710
<LOANS-TROUBLED>                0                           0
<LOANS-PROBLEM>                 8,600                       14,200
<ALLOWANCE-OPEN>                54,044                      45,907
<CHARGE-OFFS>                   7,596                       9,279
<RECOVERIES>                    4,883                       5,635
<ALLOWANCE-CLOSE>               65,992                      54,044
<ALLOWANCE-DOMESTIC>            65,992                      54,044
<ALLOWANCE-FOREIGN>             0                           0
<ALLOWANCE-UNALLOCATED>         11,907                      8,253



</TABLE>
