
<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>                   <C>
<PERIOD-TYPE>                   3-mos                  6-mos                 9-mos
<FISCAL-YEAR-END>            MAR-31-1998             JUN-30-1998           SEP-30-1998
<PERIOD-END>                 DEC-31-1998             DEC-31-1998           DEC-31-1998
<CASH>                         422,089                 450,700             352,892
<INT-BEARING-DEPOSITS>         0                       0                   0
<FED-FUNDS-SOLD>               5,450                   37,865              36,826
<TRADING-ASSETS>               19,027                  29,240              22,730
<INVESTMENTS-HELD-FOR-SALE>    1,988,991               1,919,488           2,100,329
<INVESTMENTS-CARRYING>         221,825                 222,038             221,329
<INVESTMENTS-MARKET>           222,545                 227,754             220,161
<LOANS>                        2,921,968               2,975,085           3,167,205
<ALLOWANCE>                    55,734                  58,676              63,057
<TOTAL-ASSETS>                 5,854,832               5,939,453           6,169,784
<DEPOSITS>                     4,221,744               4,131,013           4,003,211
<SHORT-TERM>                   961,655                 950,059             1,332,206
<LIABILITIES-OTHER>            57,011                  80,118              76,611
<LONG-TERM>                    149,204                 296,074             243,628
<PREFERRED-MANDATORY>          23                      23                  23
<PREFERRED>                    0                       0                   0
<COMMON>                       1                       3                   3
<OTHER-SE>                     465,194                 482,163             514,102
<TOTAL-LIABILITIES-AND-EQUITY> 5,854,832               5,939,453           6,169,784
<INTEREST-LOAN>                62,700                  127,648             196,240
<INTEREST-INVEST>              32,910                  63,960              97,152
<INTEREST-OTHER>               933                     1,909               2,714
<INTEREST-TOTAL>               96,543                  193,517             296,106
<INTEREST-DEPOSIT>             35,229                  70,812              105,153
<INTEREST-EXPENSE>             50,744                  32,238              51,625
<INTEREST-INCOME-NET>          43,954                  90,467              139,328
<LOAN-LOSSES>                  2,470                   6,443               10,504
<SECURITIES-GAINS>             2,512                   5,832               6,370
<EXPENSE-OTHER>                58,339                  113,525             171,696
<INCOME-PRETAX>                24,447                  56,720              86,764
<INCOME-PRE-EXTRAORDINARY>     17,600                  39,249              59,244
<EXTRAORDINARY>                0                       0                   0
<CHANGES>                      0                       0                   0
<NET-INCOME>                   17,600                  39,249              59,244
<EPS-BASIC>                  .35                     .81                 1.19
<EPS-DILUTED>                  .31                     .72                 1.06
<YIELD-ACTUAL>                 3.72                    3.72                3.72
<LOANS-NON>                    19,863                  15,711              19,442
<LOANS-PAST>                   18,471                  21,684              15,714
<LOANS-TROUBLED>               0                       0                   0
<LOANS-PROBLEM>                52,457                  76,810              37,897
<ALLOWANCE-OPEN>               54,044                  55,734              58,676
<CHARGE-OFFS>                  1,584                   3,905               5,437
<RECOVERIES>                   804                     2,094               3,945
<ALLOWANCE-CLOSE>              55,734                  58,676              63,056
<ALLOWANCE-DOMESTIC>           55,734                  58,676              63,056
<ALLOWANCE-FOREIGN>            0                       0                   0
<ALLOWANCE-UNALLOCATED>        0                       0                   0



</TABLE>
