______________________________________________________________________________ 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): October 19, 2004 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 October 19, 2004, BOK Financial Corporation ("BOK Financial") issued a press release announcing its financial results for the third quarter ended September 30, 2004 ("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 October 19, 2004, in connection with BOK Financial's issuance of the Press Release, BOK Financial released financial information related to the three and nine months ended September 30, 2004 ("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 October 19, 2004, titled "BOK Financial Income Up 23 Percent in Third Quarter - Net Interest Revenue, Credit Quality, Expense Control Fuel Earnings" 99(b)Financial Information for the Three and Nine Months Ended September 30, 2004 Signatures 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: October 19, 2004 Exhibit Index Exhibit No. Description 99(a) Text of Press Release, dated October 19, 2004, titled "BOK Financial Income Up 23 Percent in Third Quarter - Net Interest Revenue, Credit Quality, Expense Control Fuel Earnings" 99(b) Financial Information for the Three and Nine Months Ended September 30, 2004