<ARTICLE> 9 <LEGEND> This restated schedule contains summary financial information extracted from the unaudited consolidated balance sheet as of September 30, 1997 and the related unaudited consolidated statement of income for the nine months ended September 30, 1997 which has been restated as a result of pooling of interests and included in the company's form 10-Q for the period ended September 30, 1998 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-31-1997 <PERIOD-START> Jul-01-1997 <PERIOD-END> Sep-30-1997 <EXCHANGE-RATE> 1 <CASH> 667,454 <INT-BEARING-DEPOSITS> 59,667 <FED-FUNDS-SOLD> 1,387,867 <TRADING-ASSETS> 223,561 <INVESTMENTS-HELD-FOR-SALE> 747,964 <INVESTMENTS-CARRYING> 2,174,209 <INVESTMENTS-MARKET> 2,194,506 <LOANS> 5,442,389 <ALLOWANCE> 89,998 <TOTAL-ASSETS> 11,141,789 <DEPOSITS> 7,387,820 <SHORT-TERM> 2,433,523 <LIABILITIES-OTHER> 123,115 <LONG-TERM> 478,613 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 195,678 <OTHER-SE> 523,040 <TOTAL-LIABILITIES-AND-EQUITY> 11,141,789 <INTEREST-LOAN> 362,733 <INTEREST-INVEST> 204,669 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 567,402 <INTEREST-DEPOSIT> 148,793 <INTEREST-EXPENSE> 268,720 <INTEREST-INCOME-NET> 298,682 <LOAN-LOSSES> 5,951 <SECURITIES-GAINS> 631 <EXPENSE-OTHER> 244,775 <INCOME-PRETAX> 158,347 <INCOME-PRE-EXTRAORDINARY> 102,477 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 102,477 <EPS-PRIMARY> 1.44 <EPS-DILUTED> 1.40 <YIELD-ACTUAL> 4.30 <LOANS-NON> 13,845 <LOANS-PAST> 9,167 <LOANS-TROUBLED> 693 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 86,249 <CHARGE-OFFS> 11,562 <RECOVERIES> 4,173 <ALLOWANCE-CLOSE> 89,998 <ALLOWANCE-DOMESTIC> 16,902 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 73,096