SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                  ------------

                                    FORM 8-K

                                 CURRENT REPORT


                     Pursuant to Section 13 or 15(d) of the

                         Securities Exchange Act of 1934


                              ---------------------


                        Date of Report (Date of earliest
                                 event reported)
                        August 15, 2002 (August 13, 2002)


                              Zions Bancorporation
--------------------------------------------------------------------------------
            (Exact name of registrant as specified in its charter)


        Utah                       0-2610                     87-0227400
-------------------  ---------------------------------  ------------------------
      (State of            (Commission File Number)         (IRS Employer
    incorporation)                                        Identification No.)



    One South Main, Suite 1134, Salt Lake City, Utah          84111
--------------------------------------------------------------------------------
(Address of Chief executive offices)                    (Zip Code)


                                (801) 524-4787
                        -------------------------------
                        (Registrant's telephone number,
                             including area code)


                                      N/A
--------------------------------------------------------------------------------
         (Former name or former address, if changed since last report)


                                      1



Items 1-8.

               Not Applicable.


Item 9.        Regulation FD Disclosure

               On August 13, 2002, each of the Chief Executive Officer,
Harris H. Simmons, and Chief Financial Officer, Doyle L. Arnold, of Zions
Bancorporation submitted to the Securities and Exchange Commission sworn
statements pursuant to Securities and Exchange Commission Order No. 4-460. A
copy of each of these statements is attached hereto as an Exhibit. Also on
August 13, 2002, each of Mr. Simmons and Mr. Arnold submitted to the Securities
and Exchange Commission the certification of Zions Bancorporation's Quarterly
Report on Form 10-Q for the quarterly period ended June 30, 2002, as required by
18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley
Act of 2002. A copy of each of these certifications is attached hereto as an
Exhibit.

                                       2



                                    SIGNATURE



      Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.



                                    ZIONS BANCORPORATION


                                    By: /s/   Doyle L. Arnold
                                       -----------------------------
                                       Name:  Doyle L. Arnold
                                       Title: Executive Vice
                                              President and Chief
                                              Financial Officer



Date: August 15, 2002

                                       3


                                  EXHIBIT INDEX

Exhibit No.    Description
-----------    -----------

99.1           Statement of Chief Executive Officer, Harris H. Simmons, of Zions
               Bancorporation,  pursuant to Securities  and Exchange  Commission
               Order No. 4-460.

99.2           Statement of Chief Financial  Officer,  Doyle L. Arnold, of Zions
               Bancorporation,  pursuant to Securities  and Exchange  Commission
               Order No. 4-460.

99.3           Certification of Chief Executive Officer,  Harris H. Simmons,  of
               Zions  Bancorporation,  pursuant to 18 U.S.C.  Section  1350,  as
               adopted  pursuant  to Section  906 of the  Sarbanes-Oxley  Act of
               2002.

99.4           Certification  of Chief Financial  Officer,  Doyle L. Arnold,  of
               Zions  Bancorporation,  pursuant to 18 U.S.C.  Section  1350,  as
               adopted  pursuant  to Section  906 of the  Sarbanes-Oxley  Act of
               2002.