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):
                                  July 18, 2006

                           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 July 18, 2006, BOK Financial  Corporation  ("BOK  Financial")  issued a press
release announcing its financial results for the three and six months ended June
30, 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 July
18, 2006,  in  connection  with  issuance of the Press  Release,  BOK  Financial
released  financial  information  related to the three and six months ended June
30, 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 July 18, 2006, titled
                     "BOK Financial Reports Record Quarterly Earnings -
                     Loan Growth Strong, Net Interest Margin Stable in
                     Second Quarter"

        99(b)        Financial Information for the Three and Six Months
                     Ended June 30, 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:  July 18, 2006
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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": "06967214"}, "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):
                                  July 18, 2006

                           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 July 18, 2006, BOK Financial  Corporation  ("BOK  Financial")  issued a press
release announcing its financial results for the three and six months ended June
30, 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 July
18, 2006,  in  connection  with  issuance of the Press  Release,  BOK  Financial
released  financial  information  related to the three and six months ended June
30, 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 July 18, 2006, titled
                     "BOK Financial Reports Record Quarterly Earnings -
                     Loan Growth Strong, Net Interest Margin Stable in
                     Second Quarter"

        99(b)        Financial Information for the Three and Six Months
                     Ended June 30, 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:  July 18, 2006