CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS


The Board of Directors
Zions Bancorporation:

We consent to incorporation by reference herein of our report dated February 7,
2000 relating to the consolidated balance sheet of Zions Bancorporation as of
December 31, 1999 and the related consolidated statements of income, cash flows,
and changes in shareholders' equity and comprehensive income, for each of the
years in the two year period then ended, which report appears in the December
31, 2000 annual report on Form 10-K of Zions Bancorporation, and to the
reference to our firm under the heading "Experts" in the prospectus.

                                       /s/ KPMG LLP

Salt Lake City, Utah
November 16, 2001