CERTIFICATION

         Pursuant to 18 U.S.C. Section 1350, the undersigned officer of Zions
Bancorporation (the "Company"), hereby certifies that the Company's Annual
Report on Form 11-K (the "Report") of Zions Bancorporation Payshelter 401(k)
Plan (the "Plan") for the year ended December 31, 2002 fully complies with the
requirements of Section 13(a) or 15(d), as applicable, of the Securities
Exchange Act of 1934 and that the information contained in the Report fairly
presents, in all material respects, the financial condition and results of
operations of the Plan.



Dated:   June 27, 2003                   /s/ Doyle L. Arnold
                                         ---------------------------------------
                                         Name:    Doyle L. Arnold
                                         Title:   Executive Vice President and
                                                  Chief Financial Officer


     The foregoing certification is being furnished solely pursuant to 18 U.S.C.
Section 1350 and is not being filed as part of the Report or as a separate
disclosure document.