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 18, 2005

                           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 18, 2005, BOK Financial  Corporation ("BOK Financial") issued a press
release  announcing  its  financial  results for the three and nine months ended
September  30, 2005  ("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  18,  2005,  in  connection  with  issuance  of the Press
Release,  BOK Financial released financial  information related to the three and
nine months ended September 30, 2005 ("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 18, 2005, titled "BOK
                    Financial Continues Earnings Growth Trend"

              99(b) Financial Information for the Three and Nine Months Ended
                    September 30, 2005



                                    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:  October 18, 2005
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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": "051142903"}, "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 18, 2005

                           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 18, 2005, BOK Financial  Corporation ("BOK Financial") issued a press
release  announcing  its  financial  results for the three and nine months ended
September  30, 2005  ("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  18,  2005,  in  connection  with  issuance  of the Press
Release,  BOK Financial released financial  information related to the three and
nine months ended September 30, 2005 ("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 18, 2005, titled "BOK
                    Financial Continues Earnings Growth Trend"

              99(b) Financial Information for the Three and Nine Months Ended
                    September 30, 2005

                                    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:  October 18, 2005