Ownership Submission
FORM 4
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940
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(Print or Type Responses)
1. Name and Address of Reporting Person *
MORROW JOHN C
   2. Issuer Name and Ticker or Trading Symbol
BOK FINANCIAL CORP ET AL [BOKF] 		5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
VP and Director - Accounting
(Last)
(First)
(Middle)
C/O FREDERIC DORWART, 124 E FOURTH STREET		 3. Date of Earliest Transaction (Month/Day/Year)
07/21/2006
(Street)

TULSA, OK 74103		 4. If Amendment, Date Original Filed(Month/Day/Year)
 6. Individual or Joint/Group Filing(Check Applicable Line)
_X_ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person
(City)
(State)
(Zip)
Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1.Title of Security
(Instr. 3)		 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code
(Instr. 8)		 4. Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4 and 5)		 5. Amount of Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 3 and 4)		 6. Ownership Form: Direct (D) or Indirect (I)
(Instr. 4)		 7. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V Amount (A) or (D) Price
Common Stock 07/21/2006   M   453 A $ 9.69 8,762 D  
Common Stock 07/21/2006   M   527 A $ 16.17 9,289 D  
Common Stock 07/21/2006   M   464 A $ 19.02 9,753 D  
Common Stock 07/21/2006   M   337 A $ 18.23 10,090 D  
Common Stock 07/21/2006   M   322 A $ 17.37 10,412 D  
Common Stock 07/21/2006   M   281 A $ 28.27 10,693 D  
Common Stock 07/21/2006   M   265 A $ 30.87 10,958 D  
Common Stock 07/21/2006   S   2,649 D $ 50.1 8,309 D  

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 3)		 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year) 3A. Deemed Execution Date, if any (Month/Day/Year) 4. Transaction Code
(Instr. 8)		 5. Number of Derivative Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4, and 5)		 6. Date Exercisable and Expiration Date
(Month/Day/Year)		 7. Title and Amount of Underlying Securities
(Instr. 3 and 4)		 8. Price of Derivative Security
(Instr. 5)		 9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 4)		 10. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 4)		 11. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares
1996 Stock Options $ 9.69 07/21/2006   M     453   (1)   (2) Common Stock 453 $ 9.69 0 (3) D  
1997 Stock Options $ 16.17 07/21/2006   M     527   (1)   (2) Common Stock 527 $ 16.17 527 (3) D  
1998 Stock Options $ 19.02 07/21/2006   M     464   (1)   (2) Common Stock 464 $ 19.02 928 (3) D  
1999 Stock Options $ 18.23 07/21/2006   M     337   (1)   (2) Common Stock 337 $ 18.23 676 (3) D  
2000 Stock Options $ 17.37 07/21/2006   M     322   (1)   (2) Common Stock 322 $ 17.37 643 (3) D  
2001 Stock Options $ 28.27 07/21/2006   M     281   (1)   (2) Common Stock 281 $ 28.27 562 (3) D  
2003 Stock Options $ 30.87 07/21/2006   M     265   (1)   (2) Common Stock 265 $ 30.87 530 (3) D  

Reporting Owners

Reporting Owner Name / Address Relationships
 Director  10% Owner  Officer  Other
MORROW JOHN C
C/O FREDERIC DORWART
124 E FOURTH STREET
TULSA, OK 74103		       VP and Director - Accounting  

Signatures

 Frederic Dorwart   07/25/2006
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 4(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1) For options granted in any one year, one-seventh of the options of such grant vest and become exercisable on the grant date of the anniversary each year commencing on the first anniversary after the grant.
(2) Options expire 3 years after vesting.
(3) Mr. Morrow owns the following exercisable stock options: 1997 - 527 shares 1998 - 928 shares 1999 - 676 shares 2000 - 643 shares 2001 - 562 shares 2003 - 530 shares 2004 - 515 shares 2005 - 250 shares

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