______________________________________________________________________________

                                  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):
                                October 19, 2004


                            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 October 19, 2004, BOK Financial  Corporation ("BOK Financial")  issued a
press  release  announcing  its  financial  results for the third  quarter ended
September  30, 2004  ("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 October 19, 2004, in connection with BOK Financial's  issuance of
the Press Release,  BOK Financial released financial  information related to the
three and nine months ended September 30, 2004 ("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  October  19,  2004,  titled  "BOK
               Financial Income Up 23 Percent in Third Quarter - Net Interest
               Revenue, Credit Quality, Expense Control Fuel Earnings"

          99(b)Financial  Information  for  the  Three  and  Nine  Months  Ended
               September 30, 2004



                                   Signatures

     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:  October 19, 2004

<PAGE>

                                  Exhibit Index

Exhibit No.      Description

99(a)            Text of Press Release, dated October 19, 2004, titled "BOK
                 Financial Income Up 23 Percent in Third Quarter - Net
                 Interest Revenue, Credit Quality, Expense Control Fuel
                 Earnings"

99(b)            Financial Information for the Three and Nine Months Ended
                 September 30, 2004
[{"type": "8-K", "sequence": "1", "filename": "form8k093004.txt", "description": "FORM 8-K FOR 093004 EARNINGS RELEASE", "secsgml_size_bytes": 4399}]
{"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": "041085768"}, "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):
                                October 19, 2004

                            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 October 19, 2004, BOK Financial  Corporation ("BOK Financial")  issued a
press  release  announcing  its  financial  results for the third  quarter ended
September  30, 2004  ("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 October 19, 2004, in connection with BOK Financial's  issuance of
the Press Release,  BOK Financial released financial  information related to the
three and nine months ended September 30, 2004 ("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  October  19,  2004,  titled  "BOK
               Financial Income Up 23 Percent in Third Quarter - Net Interest
               Revenue, Credit Quality, Expense Control Fuel Earnings"

          99(b)Financial  Information  for  the  Three  and  Nine  Months  Ended
               September 30, 2004

                                   Signatures

     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:  October 19, 2004
Exhibit Index

Exhibit No.      Description

99(a)            Text of Press Release, dated October 19, 2004, titled "BOK
                 Financial Income Up 23 Percent in Third Quarter - Net
                 Interest Revenue, Credit Quality, Expense Control Fuel
                 Earnings"

99(b)            Financial Information for the Three and Nine Months Ended
                 September 30, 2004