<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