Exhibit 99.2


                                  CERTIFICATION

         Pursuant to 18 U.S.C. Section 1350, the undersigned officer of Zions
Bancorporation (the "Company"), hereby certifies that the Company's Annual
Report on Form 10-K for the quarter ended December 31, 2002 (the "Report")
fully complies with the requirements of Section 13(a) or 15(d), as applicable,
of the Securities Exchange Act of 1934 and that the information contained in the
Report fairly presents, in all material respects, the financial condition and
results of operations of the Company.



Dated:   March 20, 2003                  /s/ Doyle L. Arnold
                                         ---------------------------------------
                                         Name:    Doyle L. Arnold
                                         Title:   Executive Vice President and
                                                  Chief Financial Officer


     The foregoing certification is being furnished solely pursuant to 18 U.S.C.
Section  1350 and is not  being  filed as part of the  Report  or as a  separate
disclosure document.