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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
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 ztagaSWWXkEvMHN6yoVGyQ==

<SEC-DOCUMENT>0001286737-04-000001.txt : 20040413
<SEC-HEADER>0001286737-04-000001.hdr.sgml : 20040413
<ACCEPTANCE-DATETIME>20040413094836
ACCESSION NUMBER:		0001286737-04-000001
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040401
FILED AS OF DATE:		20040413

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			KYMES STACY
		CENTRAL INDEX KEY:			0001286737

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-19341
		FILM NUMBER:		04729681

	BUSINESS ADDRESS:	
		STREET 1:		C/O FREDERIC DORWART, LAWYERS
		STREET 2:		124 EAST FOURTH STREET
		CITY:			TULSA
		STATE:			OK
		ZIP:			74103
		BUSINESS PHONE:		918-585-9922

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BOK FINANCIAL CORP ET AL
		CENTRAL INDEX KEY:			0000875357
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				731373454
		STATE OF INCORPORATION:			OK
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		BANK OF OKLAHOMA TOWER
		STREET 2:		PO BOX 2300
		CITY:			TULSA
		STATE:			OK
		ZIP:			74192
		BUSINESS PHONE:		9185953025

	MAIL ADDRESS:	
		STREET 1:		BANK OF OKLAHOMA TOWER
		STREET 2:		P O BOX 2300
		CITY:			TULSA
		STATE:			OK
		ZIP:			74192
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>primary_doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0201</schemaVersion>

    <documentType>3</documentType>

    <periodOfReport>2004-04-01</periodOfReport>

    <noSecuritiesOwned>0</noSecuritiesOwned>

    <issuer>
        <issuerCik>0000875357</issuerCik>
        <issuerName>BOK FINANCIAL CORP ET AL</issuerName>
        <issuerTradingSymbol>BOKF</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001286737</rptOwnerCik>
            <rptOwnerName>KYMES STACY</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1></rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity></rptOwnerCity>
            <rptOwnerState></rptOwnerState>
            <rptOwnerZipCode></rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Corporate Controller</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>453</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <derivativeTable>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Options (1997-2003)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <footnoteId id="F4"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <footnoteId id="F1"/>
            </exerciseDate>
            <expirationDate>
                <footnoteId id="F2"/>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>1986</value>
                    <footnoteId id="F3"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">For options granted in any one year, one-seventh of the options of any such grant vest and become exercisable on the grant date of the anniversary commencing on the first anniversary after the grant.</footnote>
        <footnote id="F2">Options expire 3 years after vesting.</footnote>
        <footnote id="F3">1997 - 341
1998 - 305
1999 - 375
2000 - 374
2001 - 327
2002 - 0
2003 - 264</footnote>
        <footnote id="F4">Option prices vary depending on the year the options are granted versus the year the options are exercised.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>Frederic Dorwart</signatureName>
        <signatureDate>2004-04-13</signatureDate>
    </ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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