X0202 5 2004-12-31 0 0 0 0000875357 BOK FINANCIAL CORP ET AL BOKF 0001290013 Cotter Charles E C/O FREDERIC DORWART, LAWYERS 124 EAST FOURTH STREET TULSA OK 74103 0 1 0 0 Chief Credit Officer Common Stock 2004-05-31 5 J 0 168 38.3 A 5880 I Charles and Susan Cotter Common Stock 2004-12-31 5 J 0 1 A 5906 D 3% dividend on BOKF Common Stock payable in kind in BOKF Common Stock. Related to BOK Thrift Plan for which employees own investment units which hold BOKF common stock. 2 direct shares; 5880 - Charles and Susan Cotter; 24 shares related to the BOK Thrift Plan. Frederic Dorwart 2005-02-08