<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
unaudited consolidated balance sheet as of June 30, 1999 and the related
unaudited consolidated statement of income for the six months ended June 30,
1999 included in the company's form 10-Q for the period ended June 30, 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> 6-MOS
<FISCAL-YEAR-END> Dec-31-1999
<PERIOD-START> Apr-01-1999
<PERIOD-END> Jun-30-1999
<EXCHANGE-RATE> 1
<CASH> 882,772
<INT-BEARING-DEPOSITS> 17,757
<FED-FUNDS-SOLD> 382,373
<TRADING-ASSETS> 416,130
<INVESTMENTS-HELD-FOR-SALE> 465,838
<INVESTMENTS-CARRYING> 3,224,716
<INVESTMENTS-MARKET> 3,218,343
<LOANS> 11,046,662
<ALLOWANCE> 204,825
<TOTAL-ASSETS> 17,605,736
<DEPOSITS> 13,070,724
<SHORT-TERM> 2,563,444
<LIABILITIES-OTHER> 329,344
<LONG-TERM> 513,465
<PREFERRED-MANDATORY> 0
<PREFERRED> 0
<COMMON> 329,370
<OTHER-SE> 761,902
<TOTAL-LIABILITIES-AND-EQUITY> 17,605,736
<INTEREST-LOAN> 465,059
<INTEREST-INVEST> 150,747
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 615,806
<INTEREST-DEPOSIT> 189,807
<INTEREST-EXPENSE> 274,359
<INTEREST-INCOME-NET> 341,447
<LOAN-LOSSES> 7,864
<SECURITIES-GAINS> (1,113)
<EXPENSE-OTHER> 301,983
<INCOME-PRETAX> 155,688
<INCOME-PRE-EXTRAORDINARY> 101,659
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 101,659
<EPS-BASIC> 1.29
<EPS-DILUTED> 1.27
<YIELD-ACTUAL> 4.31
<LOANS-NON> 47,509
<LOANS-PAST> 27,379
<LOANS-TROUBLED> 3,297
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 205,553
<CHARGE-OFFS> 19,691
<RECOVERIES> 11,099
<ALLOWANCE-CLOSE> 204,825
<ALLOWANCE-DOMESTIC> 171,182
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 33,643