-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 TeEkXCYqAirod/0CHayZlA0ryFWhpgtY0tUyJFoNWoYqlB/sKzBAvq5WHqc/6vPa
 gZV0gAKGKUlpzlMSTmkagw==

<SEC-DOCUMENT>0000109380-03-000099.txt : 20030708
<SEC-HEADER>0000109380-03-000099.hdr.sgml : 20030708
<ACCEPTANCE-DATETIME>20030707173638
ACCESSION NUMBER:		0000109380-03-000099
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030701
FILED AS OF DATE:		20030708

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			CASH R D
		CENTRAL INDEX KEY:			0001179477

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-12307
		FILM NUMBER:		03777527

	BUSINESS ADDRESS:	
		STREET 1:		180 EAST 100 SOUTH
		STREET 2:		PO BOX 45433
		CITY:			SALT LAKE CITY
		STATE:			UT
		ZIP:			84145-0433
		BUSINESS PHONE:		8013245205

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ZIONS BANCORPORATION /UT/
		CENTRAL INDEX KEY:			0000109380
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				870227400
		STATE OF INCORPORATION:			UT
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		ONE SOUTH MAIN STREET
		STREET 2:		SUITE 1380
		CITY:			SALT LAKE CITY
		STATE:			UT
		ZIP:			84111
		BUSINESS PHONE:		8015244787

	MAIL ADDRESS:	
		STREET 1:		ONE SOUTH MAIN STREET
		STREET 2:		SUITE 1380
		CITY:			SALT LAKE CITY
		STATE:			UT
		ZIP:			84111

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ZIONS UTAH BANCORPORATION
		DATE OF NAME CHANGE:	19870615

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ZIONS FIRST NATIONAL INVESTMENT CO
		DATE OF NAME CHANGE:	19660921
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>primary_doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>

<ownershipDocument>

    <documentType>4</documentType>

    <periodOfReport>2003-07-01</periodOfReport>


    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0000109380</issuerCik>
        <issuerName>ZIONS BANCORPORATION /UT/</issuerName>
        <issuerTradingSymbol>ZION</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001179477</rptOwnerCik>
            <rptOwnerName>CASH R D</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>  </rptOwnerStreet1>
            <rptOwnerStreet2>  </rptOwnerStreet2>
            <rptOwnerCity>  </rptOwnerCity>
            <rptOwnerState>  </rptOwnerState>
            <rptOwnerZipCode>  </rptOwnerZipCode>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <derivativeSecurity>
        <securityTitle>
            <value>Phantom Stock</value>
        </securityTitle>
        <conversionOrExercisePrice>
            <value>0</value>
            <footnoteId id="F1"/>
        </conversionOrExercisePrice>
        <transactionDate>
            <value>2003-07-01</value>
        </transactionDate>
        <deemedExecutionDate>
            <value>2003-07-02</value>
        </deemedExecutionDate>
        <transactionCoding>
            <transactionFormType>4</transactionFormType>
            <transactionCode>A</transactionCode>
            <equitySwapInvolved>0</equitySwapInvolved>
        </transactionCoding>
        <transactionTimeliness>
            <value></value>
        </transactionTimeliness>
        <transactionAmounts>
            <transactionShares>
                <value>123.5078</value>
            </transactionShares>
            <transactionValue>
                <value>50.33</value>
            </transactionValue>
            <transactionAcquiredDisposedCode>
                <value>A</value>
            </transactionAcquiredDisposedCode>
        </transactionAmounts>
        <exerciseDate>
            <value>1988-08-08</value>
            <footnoteId id="F2"/>
        </exerciseDate>
        <expirationDate>
            <value>1988-08-08</value>
            <footnoteId id="F2"/>
        </expirationDate>
        <underlyingSecurity>
            <underlyingSecurityTitle>
                <value>Common Stock</value>
            </underlyingSecurityTitle>
            <underlyingSecurityShares>
                <value>123.5078</value>
            </underlyingSecurityShares>
        </underlyingSecurity>
        <postTransactionAmounts>
            <sharesOwnedFollowingTransaction>
                <value>27072.4279</value>
                <footnoteId id="F3"/>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>D</value>
            </directOrIndirectOwnership>
        </ownershipNature>
    </derivativeSecurity>

    <footnotes>
        <footnote id="F1">Each phantom stock unit represents one shares of the company's Common Stock.</footnote>
        <footnote id="F2">Phantom stock units are paid out as cash upon the earlier of resignation, retirement or death.</footnote>
        <footnote id="F3">Mr. Cash also holds 26,689 shares under the title &quot;Stock Option (right to buy)&quot;</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>/s/Clark B. Hinckley as Attorney In Fact</signatureName>
        <signatureDate>2003-07-07</signatureDate>
    </ownerSignature>

</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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