Exhibit 23
CONSENT OF INDEPENDENT AUDITORS
We consent to the incorporation by reference in the Registration Statement (Form S-8 No. 333-36205) pertaining to the Zions Bancorporation Payshelter 401(k) Plan of our report dated June 13, 2003, with respect to the financial statements and schedule of the Zions Bancorporation Payshelter 401(k) Plan included in this Annual Report (Form 11-K) for the year ended December 31, 2002.
/S/ ERNST & YOUNG LLP
Salt Lake City, Utah
June 25, 2003
F-3