EXHIBIT 21 LIST OF SUBSIDIARIES ZIONS BANCORPORATION AT DECEMBER 31, 2000 SUBSIDIARY STATE ---------- ----- Zions First National Bank Federally chartered doing business in Utah and Idaho California Bank & Trust California Nevada State Bank Nevada National Bank of Arizona Federally chartered doing business in Arizona Vectra Bank Colorado Federally chartered doing business in Colorado and New Mexico The Commerce Bank of Washington Federally chartered doing business in Washington Cash Access, Inc. Utah GB Capital Trust Delaware Great Western Financial Corporation Utah Lockhart Realty Company Utah VBC Capital I Delaware Zions Insurance Agency, Inc. Utah Zions Life Insurance Company Arizona Zions Management Services Company Utah