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)
                          June 27, 2003 (June 27, 2003)


                              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



The information in this Current Report on Form 8-K, including the exhibits, is
furnished pursuant to Item 9 and shall not be deemed "filed" for the purposes
of Section 18 of the Securities and Exchange Act of 1934, as amended, or
otherwise subject to the liabilities under that Section.  Furthermore, the
information in this Current Report on Form 8-K, including the exhibits, shall
not be deemed to be incorporated by reference into the filings of Zions
Bancorporation (the "Company") under the Securities Act of 1933, as amended.

Item 7.     Financial Statements, Pro Forma Financial Information
            and Exhibits

            The following exhibits are furnished as part of this report:

            Exhibit 99.1     Certification, dated June 27, 2003, of Chief
                             Executive Officer, Harris H. Simmons, of the
                             Company, pursuant to 18 U.S.C. Section 1350, as
                             adopted pursuant to Section 906 of the
                             Sarbanes-Oxley Act of 2002.

            Exhibit 99.2     Certification, dated June 27, 2003, of Chief
                             Financial Officer, Doyle L. Arnold, of the Company,
                             pursuant to 18 U.S.C. Section 1350, as adopted
                             pursuant to Section 906 of the Sarbanes-Oxley Act
                             of 2002.

Item 9.     Regulation FD Disclosure

On June 27, 2003, each of the Chief Executive Officer, Harris H. Simmons,
and Chief Financial Officer, Doyle L. Arnold, of the Company submitted to the
Securities and Exchange Commission the certification of The Company's Annual
Report on Form 11-K of Zions Bancorporation Payshelter 401(k) Plan for the year
ended December 31, 2002, as required by 18 U.S.C. Section 1350, as adopted
pursuant to Section 906 of the Sarbanes-Oxley Act of 2002. The Company is
furnishing under Item 9 of this Current Report on Form 8-K copies of such
statements as Exhibits 99.1 and 99.2 hereto.


                                       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/   Clark B. Hinckley
                                       -----------------------------
                                       Name:  Clark B. Hinckley
                                       Title: Senior Vice President
                                              Investor Relations



Date: June 27, 2003

                                       3


                                  EXHIBIT INDEX

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

99.1           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.

99.2           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.