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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):
                                January 25, 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 January 25, 2005, BOK Financial Corporation ("BOK Financial") issued
a press release announcing its financial results for the fourth quarter ended
December 31, 2004 ("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 January 25, 2005, in connection with BOK Financial's issuance of
the Press Release, BOK Financial released financial information related to the
three and twelve months ended December 31, 2004 ("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 January 25, 2005, titled "BOK
              Financial Reports Record Earnings for 14th Consecutive Year -
              Solid Loan Growth, Strong Credit Quality Highlight Performance"

     99(b)    Financial Information for the Three and Twelve Months Ended
              December 31, 2004



                                    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 25, 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": "05546837"}, "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"}}
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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):
                                January 25, 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 January 25, 2005, BOK Financial Corporation ("BOK Financial") issued
a press release announcing its financial results for the fourth quarter ended
December 31, 2004 ("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 January 25, 2005, in connection with BOK Financial's issuance of
the Press Release, BOK Financial released financial information related to the
three and twelve months ended December 31, 2004 ("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 January 25, 2005, titled "BOK
              Financial Reports Record Earnings for 14th Consecutive Year -
              Solid Loan Growth, Strong Credit Quality Highlight Performance"

     99(b)    Financial Information for the Three and Twelve Months Ended
              December 31, 2004

                                    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 25, 2005