Consent Of Independent Auditors


We consent to the incorporation by reference in the Registration Statements
outlined below pertaining to the BOK Financial Thrift Plan for Salaried
Employees of our report dated June 26, 2002, with respect to the financial
statements and schedule of the BOK Financial Thrift Plan for Salaried Employees
included in this Annual Report (Form 11-K) for the year ended December 31, 2001:

     Registration  Statement (Form S-8, No. 33-44121)  pertaining to the Reoffer
          Prospectus  of the Bank of  Oklahoma  Master  Thrift  Plan  and  Trust
          Agreement.

     Registration  Statement (Form S-8, No. 33-55312)  pertaining to the Reoffer
          Prospectus of the BOK Financial  Corporation 1992 Special Stock Option
          Plan.

     Registration  Statement (Form S-8, No. 33-70102)  pertaining to the Reoffer
          Prospectus of the BOK Financial  Corporation 1993 Special Stock Option
          Plan.

     Registration  Statement (Form S-8, No. 33-79834)  pertaining to the Reoffer
          Prospectus of the BOK Financial  Corporation 1994 Special Stock Option
          Plan.

     Registration  Statement (Form S-8, No. 33-79836)  pertaining to the Reoffer
          Prospectus  of  the  BOK  Financial   Corporation   Directors'   Stock
          Compensation Plan.

     Registration Statement (Form S-8, No. 333-32649)  pertaining to the Reoffer
          Prospectus of the BOK Financial  Corporation 1997 Special Stock Option
          Plan.

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

     Registration Statement (Form S-8, No. 333-62578)  pertaining to the Reoffer
          Prospectus of the BOK Financial  Corporation 2001 Special Stock Option
          Plan.


/s/ Ernst & Young LLP
Tulsa, Oklahoma
June 26, 2002