Consent Of Independent Auditors

We consent to the  incorporation  by reference of our report dated May 19, 2000,
with respect to the  financial  statements  and  schedules of the BOK  Financial
Thrift Plan for Hourly Employees  included in this Annual Report (Form 11-K) for
the year ended December 31, 1999, in the following registration statements:

*    Registration  Statement (Form S-8, No. 333-00000) pertaining to the Reoffer
     Prospectus  of  the  BOK  Financial  Corporation  Thrift  Plan  for  Hourly
     Employees and Trust Agreement.

*    Registration  Statement (Form S-8, No. 333-93957) pertaining to the Reoffer
     Prospectus of the BOK Financial Corporation 2000 Stock Option Plan.


/s/ Ernst & Young, LLP
Tulsa, Oklahoma
June 28, 2000