-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 IAH3/teiAU+G/TAnTt4ABZ5svhXz+6Kx6VCa2nSaP3/3AuFLonh6U8paRJYWAa13
 ZeFZOzos0qnuoVvoC/8vQw==

<SEC-DOCUMENT>0001301586-04-000002.txt : 20041214
<SEC-HEADER>0001301586-04-000002.hdr.sgml : 20041214
<ACCEPTANCE-DATETIME>20041214161843
ACCESSION NUMBER:		0001301586-04-000002
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040727
FILED AS OF DATE:		20041214
DATE AS OF CHANGE:		20041214

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Allen Gregory S
		CENTRAL INDEX KEY:			0001308510

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-19341
		FILM NUMBER:		041201752

	BUSINESS ADDRESS:	
		BUSINESS PHONE:		918-583-9922

	MAIL ADDRESS:	
		STREET 1:		C/O FREDERIC DORWART LAWYERS
		STREET 2:		124 EAST FOURTH STREET
		CITY:			TULSA
		STATE:			OK
		ZIP:			74103

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>X0202</schemaVersion>

    <documentType>3</documentType>

    <periodOfReport>2004-07-27</periodOfReport>

    <noSecuritiesOwned>0</noSecuritiesOwned>

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

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001308510</rptOwnerCik>
            <rptOwnerName>Allen Gregory S</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>C/O FREDERIC DORWART LAWYERS</rptOwnerStreet1>
            <rptOwnerStreet2>124 EAST FOURTH STREET</rptOwnerStreet2>
            <rptOwnerCity>TULSA</rptOwnerCity>
            <rptOwnerState>OK</rptOwnerState>
            <rptOwnerZipCode>74103</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>1</isOther>
            <otherText>Advisory Director</otherText>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>557</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <ownerSignature>
        <signatureName>Frederic Dorwart</signatureName>
        <signatureDate>2004-12-14</signatureDate>
    </ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----