BOK FINANCIAL CORP ET AL
S-8, EX-23.1, 2000-06-28
NATIONAL COMMERCIAL BANKS
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                                      23.1

                        CONSENT OF INDEPENDENT AUDITORS

We consent to the incorporation by reference in the Registration Statement (Form
S-8) and related  Prospectus of BOK Financial  Corporation  for  registration of
10,000  shares of its common  stock  pursuant to the BOK  Financial  Corporation
Thrift  Plan for Hourly  Employees  of our report  dated  January  18, 2000 with
respect to the consolidated  financial  statements of BOK Financial  Corporation
incorporated  by reference  in its Annual  Report (Form 10-K) for the year ended
December 31, 1999, filed with the Securities and Exchange Commission.

/s/ Ernst & Young LLP
Tulsa, Oklahoma
June 28, 2000




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