<ARTICLE> 9
<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
CONSOLIDATED  BALANCE SHEET AS OF DECEMBER 31, 1998 AND THE RELATED CONSOLIDATED
STATEMENT  OF INCOME  FOR THE YEAR  ENDED  DECEMBER  31,  1998  INCLUDED  IN THE
COMPANY'S  FORM 10-K DATED DECEMBER 31, 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>                                          YEAR
<FISCAL-YEAR-END>                                           DEC-31-1998
<PERIOD-END>                                                DEC-31-1998
<EXCHANGE-RATE>                                                                1
<CASH>                                                                   864,446
<INT-BEARING-DEPOSITS>                                                    30,484
<FED-FUNDS-SOLD>                                                         581,721
<TRADING-ASSETS>                                                         191,855
<INVESTMENTS-HELD-FOR-SALE>                                              684,581
<INVESTMENTS-CARRYING>                                                 2,803,903
<INVESTMENTS-MARKET>                                                   2,821,535
<LOANS>                                                               10,633,492
<ALLOWANCE>                                                              205,553
<TOTAL-ASSETS>                                                        16,648,921
<DEPOSITS>                                                            13,321,163
<SHORT-TERM>                                                           1,449,512
<LIABILITIES-OTHER>                                                      319,278
<LONG-TERM>                                                              510,531
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                 324,099
<OTHER-SE>                                                               689,557
<TOTAL-LIABILITIES-AND-EQUITY>                                        16,648,921
<INTEREST-LOAN>                                                          681,204
<INTEREST-INVEST>                                                        294,840
<INTEREST-OTHER>                                                               0
<INTEREST-TOTAL>                                                         976,044
<INTEREST-DEPOSIT>                                                       293,707
<INTEREST-EXPENSE>                                                       432,281
<INTEREST-INCOME-NET>                                                    543,763
<LOAN-LOSSES>                                                             12,179
<SECURITIES-GAINS>                                                         2,142
<EXPENSE-OTHER>                                                          514,588
<INCOME-PRETAX>                                                          217,709
<INCOME-PRE-EXTRAORDINARY>                                               146,847
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                             146,847
<EPS-PRIMARY>                                                               1.93
<EPS-DILUTED>                                                               1.91
<YIELD-ACTUAL>                                                              4.52
<LOANS-NON>                                                               53,879
<LOANS-PAST>                                                              25,779
<LOANS-TROUBLED>                                                           5,212
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                          91,571
<CHARGE-OFFS>                                                             24,228
<RECOVERIES>                                                               9,355
<ALLOWANCE-CLOSE>                                                        205,553
<ALLOWANCE-DOMESTIC>                                                     166,253
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                   39,300