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EXHIBIT 23



               CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS


Zions Bancorporation:

We consent to the incorporation by reference in Zions Bancorporation's (i)
Registration Statement (Form S-3 No. 33-58801) and related Prospectus pertaining
to the Zions Bancorporation Dividend Reinvestment and Common Stock Purchase
Plan, (ii) Registration Statement (Form S-8 No. 333-36207) and related
Prospectus pertaining to Zions Bancorporation Employee Stock Savings Plan, (iii)
Registration Statement (Form S-8 No. 333-36205) and related Prospectus
pertaining to Zions Bancorporation Employee Investment Savings Plan, (iv)
Registration Statement (Form S-8 No. 333-68461) and related Prospectus
pertaining to Aspen Bancshares, Inc. 1993 Non-Qualified Stock Option Plan for
Directors, Aspen Bancshares, Inc. 1990 Incentive Stock Option Plan, Vectra
Banking Corporation Employees' Equity Incentive Stock Option Plan, Vectra
Banking Corporation Non-Employee Directors' Stock Option Plan, Vectra Banking
Corporation 1989 Non-Statutory Stock Option Plan, Second Amended and Restated
1988 Stock Option Plan of FP Bancorp, Inc., SBT Bankshares, Inc. 1995
Non-Qualified Stock Option Agreement, The Commerce Bancorporation 1995 Restated
Incentive Compensation Plan, and The Commerce Bancorporation 1987 Stock Option
Plan, and (v) Registration Statement (Form S-8 No. 333-74179) and the related
Prospectus pertaining to Zions Bancorporation 1996 Non-Employee Directors Stock
Option Plan, and Hemingway Stock Option Agreement, of our report dated February
7, 2000, relating to the consolidated balance sheets of Zions Bancorporation and
subsidiaries as of December 31, 1999 and 1998, and the related consolidated
statements of income, cash flows, and changes in shareholders' equity and
comprehensive income for each of the years in the three-year period ended
December 31, 1999, which report appears in this annual report on Form 10-K for
the year ended December 31, 1999.



                                        /s/KPMG LLP


Salt Lake City, Utah
March 29, 2000