UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION

                              Washington, DC 20549

                                    FORM 8-K

                                 CURRENT REPORT
     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

                Date of Report (Date of earliest event reported):
                                 April 18, 2006

                            BOK FINANCIAL CORPORATION

             (Exact name of registrant as specified in its charter)


         Oklahoma                       000-19341              73-1373454
         --------                       ---------              ----------
(State or other jurisdiction           (Commission            (IRS Employer
     of incorporation)                 File Number)         Identification No.)


  Bank of Oklahoma Tower, Boston Avenue at Second Street, Tulsa, Oklahoma 74172
                    (Address of principal executive offices)

               Registrant's telephone number, including area code:
                                 (918) 588-6000

               _____________________N/A___________________________

          (Former name or former address, if changes since last report)

Check  the  appropriate  box  below  if the  Form  8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions:

|_|  Written  communications  pursuant to Rule 425 under the  Securities Act (17
     CFR 230.425).

|_|  Soliciting  material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
     240.14a-12).

|_|  Pre-commencement   communications  pursuant  to  Rule  14d-2(b)  under  the
     Exchange Act (17 CFR 240.14d-2(b)).

|_|  Pre-commencement   communications  pursuant  to  Rule  13e-4(c)  under  the
     Exchange Act (17 CFR 240.13e-4(c)).



                    INFORMATION TO BE INCLUDED IN THE REPORT

ITEM 2.02.  Results of Operations and Financial Condition.

     On April 18, 2006, BOK Financial  Corporation  ("BOK  Financial")  issued a
press release  announcing its financial results for the three months ended March
31, 2006 ("Press  Release").  The full text of the Press  Release is attached as
Exhibit 99(a) to this report and is incorporated  herein by reference.  On March
31, 2006,  in  connection  with  issuance of the Press  Release,  BOK  Financial
released financial  information related to the three months ended March 31, 2006
("Financial   Information"),   which  includes  certain   historical   financial
information relating to BOK Financial.  The Financial Information is attached as
Exhibit 99(b) to this report and is incorporated herein by reference.

ITEM 9.01.  Financial Statements and Exhibits.

(c)      Exhibits

99(a) Text of Press Release, dated April 18, 2006, titled "BOK Financial Reports
      Record Earnings for First Quarter 2006"

99(b) Financial Information for the Three Months Ended March 31, 2006



                                    Signature

     Pursuant to the  requirements  of the Securities  Exchange Act of 1934, the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned hereunto duly authorized.


                                           BOK FINANCIAL CORPORATION

                                           By:  /s/  Steven E. Nell
                                                -------------------------
                                                Steven E. Nell
                                                Executive Vice President
                                                Chief Financial Officer
Date:  April 18, 2006