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                                  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):
                                 April 27, 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)

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<PAGE>

                    INFORMATION TO BE INCLUDED IN THE REPORT

ITEM 5.  Other Events and Regulation FD Disclosure.

         On April 27, 2004, BOK Financial Corporation ("BOK Financial") issued a
press release announcing its financial results for the first quarter ended March
31, 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 April
27, 2004, in connection with BOK Financial's issuance of the Press Release, BOK
Financial released financial information related to the three months ended March
31, 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 7.  Financial Statements and Exhibits.

(c)      Exhibits

         99(a) Text of Press Release, dated April 27, 2004, titled
               "BOK Financial Reports First Quarter Earnings -- Net Interest
               Revenue Growth, Fees Help Offset Mortgage Banking Slowdown"

         99(b) Financial Information for the Three Months Ended March 31, 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:  April 27, 2004

<PAGE>

                                  Exhibit Index

Exhibit No.     Description

99(a)           Text of Press Release, dated April 27, 2004,
                titled "BOK Financial Reports First Quarter Earnings -- Net
                Interest Revenue Growth, Fees Help Offset Mortgage Banking
                Slowdown"

99(b)           Financial Information for the Three Months Ended March 31, 2004
[{"type": "8-K", "sequence": "1", "filename": "form8k033104.txt", "description": "FORM 8-K FOR 033104 EARNINGS RELEASE", "secsgml_size_bytes": 3647}]
{"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": "04758745"}, "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"}}
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                                  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):
                                 April 27, 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)

-------------------------------------------------------------------------------
INFORMATION TO BE INCLUDED IN THE REPORT

ITEM 5.  Other Events and Regulation FD Disclosure.

         On April 27, 2004, BOK Financial Corporation ("BOK Financial") issued a
press release announcing its financial results for the first quarter ended March
31, 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 April
27, 2004, in connection with BOK Financial's issuance of the Press Release, BOK
Financial released financial information related to the three months ended March
31, 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 7.  Financial Statements and Exhibits.

(c)      Exhibits

         99(a) Text of Press Release, dated April 27, 2004, titled
               "BOK Financial Reports First Quarter Earnings -- Net Interest
               Revenue Growth, Fees Help Offset Mortgage Banking Slowdown"

         99(b) Financial Information for the Three Months Ended March 31, 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:  April 27, 2004
Exhibit Index

Exhibit No.     Description

99(a)           Text of Press Release, dated April 27, 2004,
                titled "BOK Financial Reports First Quarter Earnings -- Net
                Interest Revenue Growth, Fees Help Offset Mortgage Banking
                Slowdown"

99(b)           Financial Information for the Three Months Ended March 31, 2004