UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION

                              Washington, DC 20549

                                    FORM 8-K

                                 CURRENT REPORT
     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

                Date of Report (Date of earliest event reported):
                                January 30, 2007

                           BOK FINANCIAL CORPORATION

             (Exact name of registrant as specified in its charter)



         Oklahoma                       000-19341              73-1373454
         --------                       ---------              ----------
(State or other jurisdiction           (Commission            (IRS Employer
     of incorporation)                 File Number)         Identification No.)


  Bank of Oklahoma Tower, Boston Avenue at Second Street, Tulsa, Oklahoma 74172
                    (Address of principal executive offices)

               Registrant's telephone number, including area code:
                                 (918) 588-6000

               _____________________N/A___________________________

          (Former name or former address, if changes since last report)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

|_| Written communications pursuant to Rule 425 under the Securities Act (17 CFR
230.425).

|_| Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
240.14a-12).

|_| Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
Act (17 CFR 240.14d-2(b)).

|_| Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
Act (17 CFR 240.13e-4(c)).

<PAGE>

                    INFORMATION TO BE INCLUDED IN THE REPORT

ITEM 2.02.  Results of Operations and Financial Condition.

On January 30, 2007, BOK Financial  Corporation ("BOK Financial") issued a press
release  announcing  its  financial  results for the three months and year ended
December  31,  2006  ("Press  Release").  The full text of the Press  Release is
attached  as  Exhibit  99(a)  to  this  report  and is  incorporated  herein  by
reference.  On January  30,  2007,  in  connection  with  issuance  of the Press
Release,  BOK  Financial  released  financial  information  related to the three
months  and year  ended  December  31,  2006  ("Financial  Information"),  which
includes certain historical financial information relating to BOK Financial. The
Financial  Information  is  attached  as  Exhibit  99(b) to this  report  and is
incorporated herein by reference.

ITEM 9.01.  Financial Statements and Exhibits.

(c)      Exhibits

        99(a)  Text of Press Release, dated January 30, 2007 titled
              "BOK Financial Reports Record Earnings for 16th
               Consecutive Year - Loan and Deposit Growth Continues"

        99(b)  Financial Information for the Three Months and Year Ended
               December 31, 2006


                                    Signature

         Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.


                                       BOK FINANCIAL CORPORATION

                                       By:  /s/  Steven E. Nell
                                            --------------------------------
                                            Steven E. Nell
                                            Executive Vice President
                                            Chief Financial Officer
Date:  January 30, 2007
     ----------------------------
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{"company-data": {"conformed-name": "BOK FINANCIAL CORP ET AL", "cik": "0000875357", "assigned-sic": "6021", "irs-number": "731373454", "state-of-incorporation": "OK", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-19341", "film-number": "07564187"}, "business-address": {"street1": "BANK OF OKLAHOMA TOWER", "street2": "PO BOX 2300", "city": "TULSA", "state": "OK", "zip": "74192", "phone": "9185953025"}, "mail-address": {"street1": "BANK OF OKLAHOMA TOWER", "street2": "P O BOX 2300", "city": "TULSA", "state": "OK", "zip": "74192"}}
UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION

                              Washington, DC 20549

                                    FORM 8-K

                                 CURRENT REPORT
     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

                Date of Report (Date of earliest event reported):
                                January 30, 2007

                           BOK FINANCIAL CORPORATION

             (Exact name of registrant as specified in its charter)

         Oklahoma                       000-19341              73-1373454
         --------                       ---------              ----------
(State or other jurisdiction           (Commission            (IRS Employer
     of incorporation)                 File Number)         Identification No.)

  Bank of Oklahoma Tower, Boston Avenue at Second Street, Tulsa, Oklahoma 74172
                    (Address of principal executive offices)

               Registrant's telephone number, including area code:
                                 (918) 588-6000

               _____________________N/A___________________________

          (Former name or former address, if changes since last report)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

|_| Written communications pursuant to Rule 425 under the Securities Act (17 CFR
230.425).

|_| Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
240.14a-12).

|_| Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
Act (17 CFR 240.14d-2(b)).

|_| Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
Act (17 CFR 240.13e-4(c)).
INFORMATION TO BE INCLUDED IN THE REPORT

ITEM 2.02.  Results of Operations and Financial Condition.

On January 30, 2007, BOK Financial  Corporation ("BOK Financial") issued a press
release  announcing  its  financial  results for the three months and year ended
December  31,  2006  ("Press  Release").  The full text of the Press  Release is
attached  as  Exhibit  99(a)  to  this  report  and is  incorporated  herein  by
reference.  On January  30,  2007,  in  connection  with  issuance  of the Press
Release,  BOK  Financial  released  financial  information  related to the three
months  and year  ended  December  31,  2006  ("Financial  Information"),  which
includes certain historical financial information relating to BOK Financial. The
Financial  Information  is  attached  as  Exhibit  99(b) to this  report  and is
incorporated herein by reference.

ITEM 9.01.  Financial Statements and Exhibits.

(c)      Exhibits

        99(a)  Text of Press Release, dated January 30, 2007 titled
              "BOK Financial Reports Record Earnings for 16th
               Consecutive Year - Loan and Deposit Growth Continues"

        99(b)  Financial Information for the Three Months and Year Ended
               December 31, 2006

                                    Signature

         Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                       BOK FINANCIAL CORPORATION

                                       By:  /s/  Steven E. Nell
                                            --------------------------------
                                            Steven E. Nell
                                            Executive Vice President
                                            Chief Financial Officer
Date:  January 30, 2007
     ----------------------------