_____________________________________________________________________________

                                  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 19, 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 July 19, 2005,  BOK Financial  Corporation  ("BOK  Financial")  issued a
press  release  announcing  its  financial  results for the three and six months
ended June 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 July 19, 2005, in connection  with issuance of the Press Release,
BOK Financial released financial information related to the three and six months
ended June 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 July 19, 2005, titled "BOK Financial
         Income Up 11% in Second Quarter -- Annualized Loan Growth Jumps to
         21%, First Cash Dividend Paid"

  99(b)  Financial Information for the Three and Six Months Ended June 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:  July 19, 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": "05961426"}, "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 19, 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 July 19, 2005,  BOK Financial  Corporation  ("BOK  Financial")  issued a
press  release  announcing  its  financial  results for the three and six months
ended June 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 July 19, 2005, in connection  with issuance of the Press Release,
BOK Financial released financial information related to the three and six months
ended June 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 July 19, 2005, titled "BOK Financial
         Income Up 11% in Second Quarter -- Annualized Loan Growth Jumps to
         21%, First Cash Dividend Paid"

  99(b)  Financial Information for the Three and Six Months Ended June 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:  July 19, 2005