EXHIBIT 12.1

BANCFIRST CORPORATION

COMPUTATION OF RATIO OF

EARNINGS TO FIXED CHARGES

(DOLLARS IN THOUSANDS)

	Nine Months Ended September 30,				Years Ended December 31,
	2003		2002		2002		2001		2000		1999		1998
Income before taxes	$	36,653	$	37,907	$	50,886	$	43,440	$	40,468	$	37,968	$	34,078
Fixed charges:
Interest expense, excluding interest on deposits		3,139		3,730		4,930		5,702		6,080		5,309		5,344
Appropriate portion (1/3) of rentals		240		248		331		273		264		367		355
Fixed charges, excluding interest on deposits		3,379		3,978		5,261		5,975		6,344		5,676		5,699
Earnings before taxes and fixed charges, excluding interest on deposits		40,032		41,885		56,147		49,415		46,812		43,644		39,777
Interest on deposits		22,083		33,458		42,879		72,009		73,974		60,840		62,946
Earnings before taxes and fixed charges, including interest on deposits	$	62,115	$	75,343	$	99,026	$	121,424	$	120,786	$	104,484	$	102,723
Fixed charges, excluding interest on deposits	$	3,379	$	3,978	$	5,261	$	5,975	$	6,344	$	5,676	$	5,699
Interest on deposits		22,083		33,458		42,879		72,009		73,974		60,840		62,946
Total fixed charges, including interest on deposits	$	25,462	$	37,436	$	48,140	$	77,984	$	80,318	$	66,516	$	68,645
Ratio of earnings to fixed charges, excluding interest on deposits		11.85		10.53		10.67		8.27		7.38		7.69		6.98
Ratio of earnings to fixed charges, including interest on deposits		2.44		2.01		2.06		1.56		1.50		1.57		1.50