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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: December 31, 2004
                        (Date of earliest event reported)

                            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 and zip code)


               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 1.01.  Entry into a Material Definitive Agreement

         BOK Financial and certain executives have entered into Deferred
Compensation Agreements that are compliant with the American Jobs Creation Act
of 2004, as codified in Section 409A of the Internal Revenue Code. The Deferred
Compensation Agreements are filed as exhibits to this Report.

ITEM 9.01.  Financial Statements and Exhibits

(c)      Exhibits

         Exhibit
         Number       Description

         10.4 (d)     409A Deferred Compensation Agreement between Stanley A.
                      Lybarger and BOK Financial Corporation

         10.4.2 (a)   409A Deferred Compensation Agreement between Steven G.
                      Bradshaw and BOK Financial Corporation

         10.4.3 (a)   409A Deferred Compensation Agreement between William
                      Jeffrey Pickryl and BOK Financial Corporation

         10.4.5       409A Deferred Compensation Agreement between Daniel H.
                      Ellinor and BOK Financial Corporation

         10.4.6       409A Deferred Compensation Agreement between Mark W.
                      Funke and BOK Financial Corporation

         10.4.7       409A Deferred Compensation Agreement between Steven E.
                      ell and BOK Financial Corporation



                                    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:  January 5, 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": "05513561"}, "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: December 31, 2004
                        (Date of earliest event reported)

                            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 and zip code)

               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 1.01.  Entry into a Material Definitive Agreement

         BOK Financial and certain executives have entered into Deferred
Compensation Agreements that are compliant with the American Jobs Creation Act
of 2004, as codified in Section 409A of the Internal Revenue Code. The Deferred
Compensation Agreements are filed as exhibits to this Report.

ITEM 9.01.  Financial Statements and Exhibits

(c)      Exhibits

         Exhibit
         Number       Description

         10.4 (d)     409A Deferred Compensation Agreement between Stanley A.
                      Lybarger and BOK Financial Corporation

         10.4.2 (a)   409A Deferred Compensation Agreement between Steven G.
                      Bradshaw and BOK Financial Corporation

         10.4.3 (a)   409A Deferred Compensation Agreement between William
                      Jeffrey Pickryl and BOK Financial Corporation

         10.4.5       409A Deferred Compensation Agreement between Daniel H.
                      Ellinor and BOK Financial Corporation

         10.4.6       409A Deferred Compensation Agreement between Mark W.
                      Funke and BOK Financial Corporation

         10.4.7       409A Deferred Compensation Agreement between Steven E.
                      ell and BOK Financial Corporation

                                    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:  January 5, 2005