<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
unaudited consolidated balance sheet as of September 30, 1999 and the related
unaudited consolidated statement of income for the nine months ended September
30, 1999 included in the company's form 10-Q for the period ended September 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> 9-MOS
<FISCAL-YEAR-END> Dec-31-1999
<PERIOD-START> Jul-01-1999
<PERIOD-END> Sep-30-1999
<EXCHANGE-RATE> 1
<CASH> 742,714
<INT-BEARING-DEPOSITS> 16,562
<FED-FUNDS-SOLD> 646,570
<TRADING-ASSETS> 531,710
<INVESTMENTS-HELD-FOR-SALE> 614,579
<INVESTMENTS-CARRYING> 3,324,120
<INVESTMENTS-MARKET> 3,298,873
<LOANS> 11,416,537
<ALLOWANCE> 198,559
<TOTAL-ASSETS> 18,595,464
<DEPOSITS> 13,008,773
<SHORT-TERM> 3,281,228
<LIABILITIES-OTHER> 583,600
<LONG-TERM> 570,469
<PREFERRED-MANDATORY> 0
<PREFERRED> 0
<COMMON> 326,536
<OTHER-SE> 786,335
<TOTAL-LIABILITIES-AND-EQUITY> 18,595,464
<INTEREST-LOAN> 710,160
<INTEREST-INVEST> 230,207
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 940,367
<INTEREST-DEPOSIT> 285,719
<INTEREST-EXPENSE> 422,597
<INTEREST-INCOME-NET> 517,770
<LOAN-LOSSES> 11,841
<SECURITIES-GAINS> (1,365)
<EXPENSE-OTHER> 451,744
<INCOME-PRETAX> 239,443
<INCOME-PRE-EXTRAORDINARY> 156,453
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 156,453
<EPS-BASIC> 1.98
<EPS-DILUTED> 1.96
<YIELD-ACTUAL> 4.27
<LOANS-NON> 47,752
<LOANS-PAST> 32,515
<LOANS-TROUBLED> 883
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 205,553
<CHARGE-OFFS> 32,546
<RECOVERIES> 13,711
<ALLOWANCE-CLOSE> 198,559
<ALLOWANCE-DOMESTIC> 179,713
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 18,846