<ARTICLE>  9
<LEGEND>
This schedule contains summary financial information extracted from the restated
unaudited consolidated balance sheet as of September 30, 1998 and the related
restated unaudited consolidated statement of income for the nine months ended
September 30, 1998 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-31-1998
<PERIOD-START>                                       Jul-01-1998
<PERIOD-END>                                         Sep-30-1998
<EXCHANGE-RATE>                                                              1
<CASH>                                                                 618,651
<INT-BEARING-DEPOSITS>                                                  24,566
<FED-FUNDS-SOLD>                                                     1,240,537
<TRADING-ASSETS>                                                       203,871
<INVESTMENTS-HELD-FOR-SALE>                                            554,039
<INVESTMENTS-CARRYING>                                               2,209,223
<INVESTMENTS-MARKET>                                                 2,228,210
<LOANS>                                                              6,767,007
<ALLOWANCE>                                                            100,440
<TOTAL-ASSETS>                                                      12,761,139
<DEPOSITS>                                                           8,931,016
<SHORT-TERM>                                                         1,747,197
<LIABILITIES-OTHER>                                                    230,942
<LONG-TERM>                                                            498,005
<PREFERRED-MANDATORY>                                                        0
<PREFERRED>                                                                  0
<COMMON>                                                               747,538
<OTHER-SE>                                                             606,441
<TOTAL-LIABILITIES-AND-EQUITY>                                      12,761,139
<INTEREST-LOAN>                                                        441,228
<INTEREST-INVEST>                                                      215,664
<INTEREST-OTHER>                                                             0
<INTEREST-TOTAL>                                                       656,892
<INTEREST-DEPOSIT>                                                     191,232
<INTEREST-EXPENSE>                                                     296,638
<INTEREST-INCOME-NET>                                                  360,254
<LOAN-LOSSES>                                                            9,034
<SECURITIES-GAINS>                                                       2,078
<EXPENSE-OTHER>                                                        338,015
<INCOME-PRETAX>                                                        154,603
<INCOME-PRE-EXTRAORDINARY>                                             103,241
<EXTRAORDINARY>                                                              0
<CHANGES>                                                                    0
<NET-INCOME>                                                           103,241
<EPS-BASIC>                                                               1.39
<EPS-DILUTED>                                                             1.36
<YIELD-ACTUAL>                                                            4.48
<LOANS-NON>                                                             30,765
<LOANS-PAST>                                                            12,432
<LOANS-TROUBLED>                                                           981
<LOANS-PROBLEM>                                                              0
<ALLOWANCE-OPEN>                                                        82,849
<CHARGE-OFFS>                                                           11,635
<RECOVERIES>                                                             5,015
<ALLOWANCE-CLOSE>                                                      100,440
<ALLOWANCE-DOMESTIC>                                                    19,084
<ALLOWANCE-FOREIGN>                                                          0
<ALLOWANCE-UNALLOCATED>                                                 81,356