Exhibit 23.0
Consent Of Independent Auditors

                         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 Hourly Employees
of our report dated May 12, 2003, with respect to the financial statements and
schedule of the BOK Financial Thrift Plan for Hourly Employees included in this
Annual Report (Form 11-K) for the year ended December 31, 2002:

o    Registration  Statement (Form S-8, No. 333-40280) pertaining to the Reoffer
     Prospectus  of  the  BOK  Financial  Corporation  Thrift  Plan  for  Hourly
     Employees and Trust Agreement.

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

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

o    Registration Statement (Form S-8, No. 333-100595) pertaining to the Reoffer
     Prospectus of the BOK Financial  Corporation  Bank of Tanglewood 1996 Stock
     Option Plan.

o    Registration  Statement (Form S-8) pertaining to the Reoffer  Prospectus of
     the BOK Financial Corporation 2003 Executive Incentive Plan.

o    Registration  Statement (Form S-8) pertaining to the Reoffer  Prospectus of
     the BOK Financial Corporation 2003 Stock Option Plan.



/s/Ernst & Young, LLP
Tulsa, Oklahoma
June 25, 2003