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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

April 20, 2004 (April 20, 2004)
Date of Report (Date of earliest event reported)

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

Utah   0-2610   87-0227400
(State of
Incorporation)		   (Commission
File Number)		   (IRS Employer
Identification No.)

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


ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS

        The following exhibit is furnished as part of this Current Report on Form 8-K:

        Exhibit 99.1 Press Release Dated April 20, 2004


ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION

        On April 20, 2004, Zions Bancorporation (the "Company") announced its financial results for the quarter ended March 31, 2004. The press release announcing the financial results for the quarter ended March 31, 2004 is furnished as Exhibit 99.1 and incorporated herein by reference.

        The information in this Current Report on Form 8-K, including the exhibit, is furnished pursuant to Item 12 and shall not be deemed "filed" for the purposes of Section 18 of the Securities 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 exhibit, shall not be deemed to be incorporated by reference into the filings of the Company under the Securities Act of 1933, as amended.

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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/  DOYLE L. ARNOLD      
    Name:   Doyle L. Arnold
    Title:   Executive Vice President and Chief Financial Officer

Date: April 20, 2004

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SIGNATURE