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 or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person * SPENCER TERRY K (Last) (First) (Middle) 100 W. 5TH ST. (Street) TULSA OK 74103 (City) (State) (Zip)	2. Date of Event Requiring Statement (Month/Day/Year) 04/24/2018	3. Issuer Name and Ticker or Trading Symbol BOK FINANCIAL CORP ET AL [ BOKF ]
		4. Relationship of Reporting Person(s) to Issuer (Check all applicable) X Director 10% Owner Officer (give title below) Other (specify below)	5. If Amendment, Date of 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

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	75	D

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: 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

Explanation of Responses:

	/s/ Frederic Dorwart, Power of Attorney	04/27/2018
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* 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).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

POWER OF ATTORNEY

KNOW ALL MEN BY THESE PRESENTS:

That the undersigned, TERRY K. SPENCER, hereinafter referred to as
"Principal", has made, constituted, and appointed, and by these
presents does make, constitute and appoint FREDERIC DORWART AND
TAMARA R. WAGMAN, hereinafter referred to as "Attorney", whether
one or more than one acting jointly, the true and lawful attorney
for Principal and in the name, place and stead of Principal to
do or perform any act which a Principal may lawfully do or
perform through any attorney-in-fact, such power to be limited
to the following:

To execute, on Principal's behalf, Forms 3, 4 and 5, and to file
such forms with the Securities and Exchange Commission and such
other regulating organizations or governmental agencies as may be
required and to obtain and maintain any filing codes related to
filing of the same with respect to all BOK Financial stock ownership.

HEREBY GIVING AND GRANTING UNTO ATTORNEY, full power and authority
to do and perform all and every act and thing whatsoever requisite
and necessary to be done in and about the premises as fully and to
all intents and purposes as Principal might or could do if personally
present, with full power of substitution and revocation, hereby
ratifying and confirming all that Attorney  may do as it relates
solely to the power enumerated above.

This Power of Attorney may be revoked by Principal by an instrument
in writing signed by Principal.

IN WITNESS WHEREOF, I have hereunto set my hand this 23rd day of
April, 2018.


                    By /s/ Terry K. Spencer
                    TERRY K. SPENCER

State of  Oklahoma

County of Tulsa

     This Power of Attorney was acknowledged before me on this
23rd day of April, 2018 by Terry K. Spencer, Individually.

[SEAL]

                    /s/ Marguerite T. Landrum
                    Notary Public

                    My commission expires 2/14/2022
                    My commission number 06001778

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