<ARTICLE>      9
<LEGEND>
This schedule contains summary financial information extracted from the
unaudited consolidated balance sheet as of September 30, 2000 and the related
unaudited consolidated statement of income for the nine months ended September
30, 2000 included in the company's form 10-Q for the period ended September 30,
2000 and is qualified in its entirety by reference to such financial statements.


<CIK>                                          0000109380
<NAME>                                         Zions Bancorporation /UT/
<MULTIPLIER>                                   1,000
<CURRENCY>                                     U.S.

                                            
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              Dec-31-2000
<PERIOD-START>                                 Jan-01-2000
<PERIOD-END>                                   Sep-30-2000
<EXCHANGE-RATE>                                                              1
<CASH>                                                                 942,345
<INT-BEARING-DEPOSITS>                                                  20,218
<FED-FUNDS-SOLD>                                                       752,521
<TRADING-ASSETS>                                                       420,807
<INVESTMENTS-HELD-FOR-SALE>                                            598,483
<INVESTMENTS-CARRYING>                                               3,242,734
<INVESTMENTS-MARKET>                                                 3,243,799
<LOANS>                                                             14,068,994
<ALLOWANCE>                                                            200,401
<TOTAL-ASSETS>                                                      21,924,319
<DEPOSITS>                                                          15,167,675
<SHORT-TERM>                                                         3,983,146
<LIABILITIES-OTHER>                                                    438,906
<LONG-TERM>                                                            579,321
<PREFERRED-MANDATORY>                                                        0
<PREFERRED>                                                                  0
<COMMON>                                                               901,569
<OTHER-SE>                                                             814,126
<TOTAL-LIABILITIES-AND-EQUITY>                                      21,924,319
<INTEREST-LOAN>                                                        929,865
<INTEREST-INVEST>                                                      270,795
<INTEREST-OTHER>                                                             0
<INTEREST-TOTAL>                                                     1,200,660
<INTEREST-DEPOSIT>                                                     366,658
<INTEREST-EXPENSE>                                                     607,041
<INTEREST-INCOME-NET>                                                  593,619
<LOAN-LOSSES>                                                           19,581
<SECURITIES-GAINS>                                                    (87,687)
<EXPENSE-OTHER>                                                        541,550
<INCOME-PRETAX>                                                        140,871
<INCOME-PRE-EXTRAORDINARY>                                              95,735
<EXTRAORDINARY>                                                              0
<CHANGES>                                                                    0
<NET-INCOME>                                                            95,735
<EPS-BASIC>                                                            1.11
<EPS-DILUTED>                                                             1.10
<YIELD-ACTUAL>                                                            4.15
<LOANS-NON>                                                             68,074
<LOANS-PAST>                                                            22,752
<LOANS-TROUBLED>                                                           807
<LOANS-PROBLEM>                                                              0
<ALLOWANCE-OPEN>                                                       204,114
<CHARGE-OFFS>                                                           32,995
<RECOVERIES>                                                             7,740
<ALLOWANCE-CLOSE>                                                      200,401
<ALLOWANCE-DOMESTIC>                                                   186,280
<ALLOWANCE-FOREIGN>                                                          0
<ALLOWANCE-UNALLOCATED>                                                 14,121