Exhibit 32

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of BOK Financial Corporation ("BOK
Financial") on Form 10-Q for the fiscal period ending September 30, 2004 as
filed with the Securities and Exchange Commission on the date hereof (the
"Report"), we, Stanley A. Lybarger and Steven E. Nell, Chief Executive Officer
and Chief Financial Officer, respectively, of BOK Financial, certify, pursuant
to 18 U.S.C. ss. 1350, as adopted pursuant to ss. 906 of the Sarbanes-Oxley Act
of 2002, that to our knowledge:

(1)  The Report fully complies with the  requirements  of Section 13(a) or 15(d)
     of the Securities Exchange Act of 1934; and

(2)  The information  contained in the Report fairly  presents,  in all material
     respects,  the  financial  condition  and  results  of  operations  of  BOK
     Financial.



November 9, 2004




/s/ Stanley A. Lybarger
----------------------------
Stanley A. Lybarger
President
Chief Executive Officer
BOK Financial Corporation




/s/ Steven E. Nell
----------------------------
Steven E. Nell
Executive Vice President
Chief Financial Officer
BOK Financial Corporation