<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 WHICH HAVE BEEN
RESTATED AND INCLUDED IN THE COMPANY'S FORM 10-K/A 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>                       2,804,654
<INVESTMENTS-MARKET>                         2,821,535
<LOANS>                                     10,636,376
<ALLOWANCE>                                    205,553
<TOTAL-ASSETS>                              17,020,231
<DEPOSITS>                                  13,321,163
<SHORT-TERM>                                 1,449,512
<LIABILITIES-OTHER>                            319,278
<LONG-TERM>                                    510,531
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       752,845
<OTHER-SE>                                     632,232
<TOTAL-LIABILITIES-AND-EQUITY>              17,020,231
<INTEREST-LOAN>                                671,636
<INTEREST-INVEST>                              292,346
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               963,982
<INTEREST-DEPOSIT>                             291,609
<INTEREST-EXPENSE>                             430,162
<INTEREST-INCOME-NET>                          533,820
<LOAN-LOSSES>                                   11,909
<SECURITIES-GAINS>                               2,039
<EXPENSE-OTHER>                                527,117
<INCOME-PRETAX>                                194,740
<INCOME-PRE-EXTRAORDINARY>                     130,062
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   130,062
<EPS-BASIC>                                       1.72
<EPS-DILUTED>                                     1.70
<YIELD-ACTUAL>                                    4.46
<LOANS-NON>                                     53,879
<LOANS-PAST>                                    25,779
<LOANS-TROUBLED>                                 5,212
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                82,849
<CHARGE-OFFS>                                   24,221
<RECOVERIES>                                     9,325
<ALLOWANCE-CLOSE>                              205,553
<ALLOWANCE-DOMESTIC>                           166,253
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         39,300