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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):
                                  July 16, 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 July 16, 2003,  BOK Financial  Corporation  ("BOK  Financial")  issued a
press release announcing its financial results for the second quarter ended June
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 July
16, 2003, in connection with BOK Financial's  issuance of the Press Release, BOK
Financial  released  financial  information  related to the three and six months
ended June 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 July 16, 2003, titled
                           "Non-Interest Revenue Bolsters Solid Second Quarter
                           at BOK Financial"

              99(b)        Financial Information for the Three and Six Months
                           Ended June 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:  July 16, 2003

<PAGE>

                                  Exhibit Index

Exhibit
No.     Description

99(a)   Text of Press Release, dated July 16, 2003, titled "Non-Interest
        Revenue Bolsters Solid Second Quarter at BOK Financial"

99(b)   Financial Information for the Three and Six Months Ended June 30, 2003
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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": "03789281"}, "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 16, 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 July 16, 2003,  BOK Financial  Corporation  ("BOK  Financial")  issued a
press release announcing its financial results for the second quarter ended June
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 July
16, 2003, in connection with BOK Financial's  issuance of the Press Release, BOK
Financial  released  financial  information  related to the three and six months
ended June 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 July 16, 2003, titled
                           "Non-Interest Revenue Bolsters Solid Second Quarter
                           at BOK Financial"

              99(b)        Financial Information for the Three and Six Months
                           Ended June 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:  July 16, 2003
Exhibit Index

Exhibit
No.     Description

99(a)   Text of Press Release, dated July 16, 2003, titled "Non-Interest
        Revenue Bolsters Solid Second Quarter at BOK Financial"

99(b)   Financial Information for the Three and Six Months Ended June 30, 2003