8-K

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

February 18, 2005    (February 16, 2005)
Date of Report    (Date of earliest event reported)

ZIONS BANCORPORATION
(Exact name of registrant as specified in its charter)

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

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

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

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

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13a-4(c))

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Item 5.02    Departure of Directors or Principal Officers; Election of Directors; Appointment of Principal Officers.

Effective February 16, 2005, Doyle L. Arnold was appointed as Vice Chairman of Zions Bancorporation. A copy of the press release issued February 16, 2005 by the Registrant announcing the appointment of Mr. Arnold is attached hereto as Exhibit 99.1, the contents of which are incorporated herein by reference. Mr. Arnold will continue as Chief Financial Officer of the Registrant.

Mr. Arnold participates in Zions Bancorporation's Senior Management Value Sharing Plan, Deferred Compensation Plan, Supplemental Executive Retirement Plan, and Key Employee Incentive Stock Option Plan. Mr. Arnold also has a Change in Control Agreement. For a description of his compensation arrangements, please see the Registrant's Schedule 14A filed with the Securities and Exchange Commission on March 15, 2004, which is incorporated herein by reference.

Item 9.01    Financial Statements and Exhibits

                (a)        Not Applicable.

                (b)        Not Applicable.

                (c)        Exhibits.

                 The following exhibit is furnished as part of this report:

Exhibit
Number 99.1
Description Press release dated February 16, 2005 announcing the appointment of Doyle L. Arnold as Vice Chairman of Zions Bancorporation.

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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/  Thomas E. Laursen
——————————————
Name: Thomas E. Laursen
Title:   Senior Vice President

Date: February 18, 2005

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EX-99.1

Exhibit 99.1

***FOR IMMEDIATE RELEASE***

FOR: ZIONS BANCORPORATION
One South Main, Suite 1134
Salt Lake City, Utah
Harris H. Simmons
Chairman/Chief Executive Officer Contact: Clark Hinckley
Tel: (801) 524-4787
February 16, 2005

Doyle L. Arnold Named Vice Chairman of Zions Bancorporation

SALT LAKE CITY, February 16, 2005 — Doyle L. Arnold, Chief Financial Officer of Zions Bancorporation, has been named Vice Chairman of the $31 billion (assets) bank holding company. Mr. Arnold, 56, has served as executive vice president of the company since December, 2001. He will continue to serve in the capacity of Chief Financial Officer, but will add to his current responsibilities certain new administrative duties, including oversight of the Technology/Operations and Human Resources functions of the company.

Harris H. Simmons, chairman, president and CEO of Zions Bancorporation said, “We’re pleased to recognize the tremendous administrative and strategic contributions Doyle has made to Zions Bancorporation during his tenure with the Company. Doyle’s extensive banking background, his good judgment and his leadership skills will all be put to greater use in his expanded role.”

Before joining Zions Bancorporation, Mr. Arnold was formerly group executive vice president for Corporate Strategy and Development at BankAmerica Corporation in San Francisco, California. He has served in a variety of executive management positions at BankAmerica, and prior to that at Wells Fargo & Company. Mr. Arnold also served as Senior Deputy Comptroller of the Currency and executive assistant to the Deputy Secretary of the Treasury during the Reagan Administration. He had also served as chief financial and administrative officer of Bankserv, Inc., a leading electronic payments company. Mr. Arnold is a graduate of Rice University, and holds a Master’s in Business Administration degree from Stanford University.

Zions Bancorporation is one of the nation’s premier financial services companies, consisting of a collection of great banks in select high growth markets. Under local management teams and community identities, Zions operates approximately 400 full-service banking offices in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah and Washington. In addition, Zions is a national leader in SBA lending, public finance advisory services, agricultural finance and electronic bond trading. The company is included in the S&P 500 Index. Investor information and links to subsidiary banks can be accessed at www.zionsbancorporation.com.

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