Ownership Submission
FORM 3
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF 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 *
  Harjo Jeffrey R.
2. Date of Event Requiring Statement (Month/Day/Year)
01/01/2013
3. Issuer Name and Ticker or Trading Symbol
BOK FINANCIAL CORP ET AL [BOKF]
(Last)
(First)
(Middle)
C/O FREDERIC DORWART, LAWYERS, 124 E. 4TH ST.
4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
Chief Risk Officer
5. If Amendment, Date Original Filed(Month/Day/Year)
(Street)

TULSA, OK 74103
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 Beneficially Owned
1.Title of Security
(Instr. 4)
2. Amount of Securities Beneficially Owned
(Instr. 4)
3. Ownership Form: Direct (D) or Indirect (I)
(Instr. 5)
4. Nature of Indirect Beneficial Ownership
(Instr. 5)
Common Stock 2,348 (1)
D
 

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. SEC 1473 (7-02)
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Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 4)
2. Date Exercisable and Expiration Date
(Month/Day/Year)
3. Title and Amount of Securities Underlying Derivative Security
(Instr. 4)
4. Conversion or Exercise Price of Derivative Security 5. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 5)
6. Nature of Indirect Beneficial Ownership
(Instr. 5)
Date Exercisable Expiration Date Title Amount or Number of Shares
2004 Stock Options   (2)   (3) Common Stock 215 $ 47.34 D  
2005 Stock Options   (2)   (3) Common Stock 600 $ 47.05 D  
2006 Stock Options   (2)   (3) Common Stock 1,716 $ 54.33 D  
2007 Stock Options   (2)   (3) Common Stock 1,786 $ 48.46 D  
2008 Stock Options   (2)   (3) Common Stock 1,000 $ 36.65 D  
2009 Stock Options   (2)   (3) Common Stock 382 $ 48.3 D  
2010 Stock Options   (2)   (3) Common Stock 572 $ 55.94 D  

Reporting Owners

Reporting Owner Name / Address Relationships
Director 10% Owner Officer Other
Harjo Jeffrey R.
C/O FREDERIC DORWART, LAWYERS
124 E. 4TH ST.
TULSA, OK 74103
      Chief Risk Officer  

Signatures

/s/ Frederic Dorwart, Power of Attorney 01/11/2013
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 5(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) 197 of these shares are related to the BOK Thrift Plan for which employees own investment units which hold BOKF common stock. 2,151 of these shares represent restricted stock which vests 5 years from the date of grant. Shares are subject to forfeiture (i) upon termination of employment prior to vesting, and (ii) certain performance earnings per share targets established pursuant to BOKF Executive Incentive Plan are not met.
(2) 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.
(3) Options expire 3 years after vesting.

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