FORM 4                                        U.S. SECURITIES AND EXCHANGE COMMISSION
                                            STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

( ) Check box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instructions 1(b).

1. Name and Address of Reporting      2. Issuer Name and                       3. IRS or Social    4. Statement    5. If Amendment,
   Person                                Ticker or Trading                        Security            for             Date of
                                         Symbol                                   Number of           Month/Year      Original
                                                                                  Reporting Person                    (Month/Year)
                                                                                  (Voluntary)

                                                                                                          
Simmons, Harris H.                       Zions Bancorporation                                         04-29-2003
One South Main Street, Suite 1134        (ZION)
Salt Lake City, UT 84111


6. Relationship of Reporting Person to Issuer (Check all applicable)

[X]Director [ ]10% Owner  [X]Officer (give title below) [ ]Other (specify below)
                                               
                          Chairman, President
                          & CEO

7. Individual or Joint/Group Reporting
   [X] Form Filed by One Reporting Person
   [ ] Form Filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially owned

1. Title of       2. Trans-   3. Trans-   4. Securities aquired (A)    5. Amount of    6. Owner-  7. Nature of Indirect
   Security          action      action      or Disposed of (D)           Securities      Ship       Beneficial Ownership
   (Instr. 3)        Date        Code        (Instr. 3, 4 and 5)          Beneficially    Form:      (Instr. 4)
                                 (Instr.                                  Owned at        Direct
                     (Month/     8)                       (A)             End of Month    (D) or
                      Day/                                or              (Instr. 3       Indirect
                      Year)      Code  V  Amount          (D) Price       and 4)          (I)
                                                                           
Common Stock                                                                  332,138      D

Common Stock                                                              54,367.6792      I          By 401(k) Plan

Common Stock                                                                1,814,488      I          By Crestwood Communications

Common Stock                                                                   38,069      I          By H&A Simmons Foundation

Common Stock                                                                  178,723      I          By Simmons Family Foundation

Common Stock                                                                    1,000      I          By Wife

Common Stock                                                                    1,610      I          Custodian for Minor Children


Table II - Derivative Securities Acquired, Disposed of, or Beneficially owned
              (e.g., puts, calls, warrants, options, convertable securities)

1.                   2.       3.     4.      5.              6.          7.                    8.      9.      10.    11.
Title of             Con-     Trans- Trans-  Number of       Date exer-  Title and Amount      Price   Number  Owner- Nature
Derivative           version  action action  Derivative      cisable and of Underlying         of      of      Ship   of
Security             or       Date   Code    Securities      Expiration  Securities            Deriv-  Deriv-  Form   Indirect
(Instr. 3)           Exercise        (Instr. Acquired (A)    Date        (Instr. 3 and 4)      ative   ative   of     Bene-
                     Price of        8)      or Disposed     (Month/                           Secu-   Secu-   Deriv- ficial
                     Deriv-                  of (D)          Day/Year)                         rity    rities  ative  Owner-
                     ative                   (Instr. 3,                                        (Instr. Bene-   Secu-  ship
                     Security                4 and 5)                                          5)      fically rity:  (Instr.
                                                                                                       Owned   Direct 4)
                                                                                                       at end  (D) or
                              (                                                        Amount          of      Indi-
                              Month/  C                      Date  Expi-               or              Month   rect
                              Day/    O                      Exer- ra-                 Number          (Instr. (I)
                              Year    D                      cis-  tion                of              4)      (Instr.
                              )       E   V  (A)    (D)      able  Date  Title         Shares                  4)
                                                                            
Stock Option (right   $48.02  04-25   A      20,300          (b)   04-24 Common Stock  20,300  (b)     316,000  D
to buy)                       -2003                                -2010



Explanation of responses:

          a. The reporting person disclaims beneficial ownership of
             these securities, and this report shall not be deemed an
             admission that the reporting person is the beneficial owner
             of the securities for purposes of Section 16 or for any
             other purpose.

          b. Options granted under the Zions Bancorporation Key
             Employeee Incentive Stock Option Plan.  Options vest 33%
             per year for 3 years.

Signature of Reporting Person:

         /s/Clark B. Hinckley
         --------------------------------------------------
         as Attorney In Fact for Harris H. Simmons