______________________________________________________________________________
                                  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 15, 2003


                            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) (Zip Code)


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


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

 ______________________________________________________________________________
<PAGE>


                    INFORMATION TO BE INCLUDED IN THE REPORT

ITEM 5.  Other Events and Regulation FD Disclosure.

     On October 15, 2003, BOK Financial  Corporation ("BOK Financial")  issued a
press  release  announcing  its  financial  results for the third  quarter ended
September  30, 2003  ("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 15, 2003, 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, 2003 ("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  October 15,  2003,  titled  "BOK
        Financial Reports Solid Quarterly, Nine-Month Earnings"

99(b)   Financial  Information  for the Three and Nine Months Ended  September
        30, 2003



                                   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 15, 2003

<PAGE>


                                  Exhibit Index

Exhibit No.                Description

99(a)                      Text of Press Release, dated October 15, 2003,
                           titled "BOK Financial Reports Solid Quarterly,
                           Nine-Month Earnings"

99(b)                      Financial Information for the Three and Nine Months
                           Ended September 30, 2003
[{"type": "8-K", "sequence": "1", "filename": "form8k093003.txt", "description": "FORM 8-K FOR 9/30/03 EARNINGS RELEASE", "secsgml_size_bytes": 3564}]
{"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": "03942626"}, "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 15, 2003

                            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) (Zip Code)

               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 October 15, 2003, BOK Financial  Corporation ("BOK Financial")  issued a
press  release  announcing  its  financial  results for the third  quarter ended
September  30, 2003  ("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 15, 2003, 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, 2003 ("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  October 15,  2003,  titled  "BOK
        Financial Reports Solid Quarterly, Nine-Month Earnings"

99(b)   Financial  Information  for the Three and Nine Months Ended  September
        30, 2003

                                   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 15, 2003
Exhibit Index

Exhibit No.                Description

99(a)                      Text of Press Release, dated October 15, 2003,
                           titled "BOK Financial Reports Solid Quarterly,
                           Nine-Month Earnings"

99(b)                      Financial Information for the Three and Nine Months
                           Ended September 30, 2003