<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
unaudited consolidated balance sheet as of March 31, 1999 and the related
unaudited consolidated statement of income for the three months ended March 31,
1999 included in the company's form 10-Q for the period ended March 31, 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> 3-MOS
<FISCAL-YEAR-END> Dec-31-1999
<PERIOD-START> Jan-01-1999
<PERIOD-END> Mar-31-1999
<EXCHANGE-RATE> 1
<CASH> 801,646
<INT-BEARING-DEPOSITS> 25,200
<FED-FUNDS-SOLD> 369,128
<TRADING-ASSETS> 221,127
<INVESTMENTS-HELD-FOR-SALE> 443,433
<INVESTMENTS-CARRYING> 3,060,195
<INVESTMENTS-MARKET> 3,074,219
<LOANS> 10,906,273
<ALLOWANCE> 198,913
<TOTAL-ASSETS> 17,084,951
<DEPOSITS> 13,204,776
<SHORT-TERM> 1,835,399
<LIABILITIES-OTHER> 442,920
<LONG-TERM> 504,352
<PREFERRED-MANDATORY> 0
<PREFERRED> 0
<COMMON> 328,209
<OTHER-SE> 731,477
<TOTAL-LIABILITIES-AND-EQUITY> 17,084,951
<INTEREST-LOAN> 227,258
<INTEREST-INVEST> 73,445
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 300,703
<INTEREST-DEPOSIT> 95,355
<INTEREST-EXPENSE> 133,825
<INTEREST-INCOME-NET> 166,878
<LOAN-LOSSES> 4,231
<SECURITIES-GAINS> (1,328)
<EXPENSE-OTHER> 150,212
<INCOME-PRETAX> 75,778
<INCOME-PRE-EXTRAORDINARY> 48,851
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 48,851
<EPS-PRIMARY> .62
<EPS-DILUTED> .61
<YIELD-ACTUAL> 4.31
<LOANS-NON> 70,832
<LOANS-PAST> 26,205
<LOANS-TROUBLED> 3,616
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 205,553
<CHARGE-OFFS> 13,084
<RECOVERIES> 2,213
<ALLOWANCE-CLOSE> 198,913
<ALLOWANCE-DOMESTIC> 172,651
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 26,262