<ARTICLE>  9
<LEGEND>
This schedule contains summary financial information extracted from the restated
unaudited consolidated balance sheet as of September 30, 1999 and the related
restated unaudited consolidated statement of income for the nine months ended
September 30, 1999 included in the companys form 10-Q/A for the period ended
September 30, 1999 and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
<CIK>                           0000109380
<NAME>                          Zions Bancorporation /UT/
<MULTIPLIER>                    1,000
<CURRENCY>                      U.S.

                                                  
<PERIOD-TYPE>                                        9-MOS
<FISCAL-YEAR-END>                                    Dec-31-1999
<PERIOD-START>                                       Jul-01-1999
<PERIOD-END>                                         Sep-30-1999
<EXCHANGE-RATE>                                                               1
<CASH>                                                                  742,714
<INT-BEARING-DEPOSITS>                                                   16,562
<FED-FUNDS-SOLD>                                                        646,570
<TRADING-ASSETS>                                                        531,710
<INVESTMENTS-HELD-FOR-SALE>                                             614,579
<INVESTMENTS-CARRYING>                                                3,324,387
<INVESTMENTS-MARKET>                                                  3,298,873
<LOANS>                                                              11,416,672
<ALLOWANCE>                                                             198,559
<TOTAL-ASSETS>                                                       18,950,991
<DEPOSITS>                                                           13,008,773
<SHORT-TERM>                                                          3,281,228
<LIABILITIES-OTHER>                                                     583,600
<LONG-TERM>                                                             570,469
<PREFERRED-MANDATORY>                                                         0
<PREFERRED>                                                                   0
<COMMON>                                                                755,282
<OTHER-SE>                                                              713,545
<TOTAL-LIABILITIES-AND-EQUITY>                                       18,950,991
<INTEREST-LOAN>                                                         707,412
<INTEREST-INVEST>                                                       229,636
<INTEREST-OTHER>                                                              0
<INTEREST-TOTAL>                                                        937,048
<INTEREST-DEPOSIT>                                                      285,719
<INTEREST-EXPENSE>                                                      422,597
<INTEREST-INCOME-NET>                                                   514,451
<LOAN-LOSSES>                                                            11,841
<SECURITIES-GAINS>                                                       (1,365)
<EXPENSE-OTHER>                                                         467,749
<INCOME-PRETAX>                                                         220,119
<INCOME-PRE-EXTRAORDINARY>                                              140,938
<EXTRAORDINARY>                                                               0
<CHANGES>                                                                     0
<NET-INCOME>                                                            140,938
<EPS-BASIC>                                                                1.79
<EPS-DILUTED>                                                              1.76
<YIELD-ACTUAL>                                                             4.24
<LOANS-NON>                                                              47,752
<LOANS-PAST>                                                             32,515
<LOANS-TROUBLED>                                                            883
<LOANS-PROBLEM>                                                               0
<ALLOWANCE-OPEN>                                                        205,553
<CHARGE-OFFS>                                                            32,546
<RECOVERIES>                                                             13,711
<ALLOWANCE-CLOSE>                                                       198,559
<ALLOWANCE-DOMESTIC>                                                    179,713
<ALLOWANCE-FOREIGN>                                                           0
<ALLOWANCE-UNALLOCATED>                                                  18,846