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

May 7, 2004    (May 5, 2004)
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)

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Item 7.    Financial Statements, Pro forma Financial Statements and Exhibits.

                (a)        Not Applicable.

                (b)        Not Applicable.

                (c)        Exhibits.

                 The Registrant hereby files the following exhibits to its Registration Statement on Form S-3 (File No. 333-107746), which was filed on August 7, 2003:


Number
 Exhibit
1.2 Underwriting Agreement, dated September 3, 2003, incorporated by reference to Exhibit 1.2 to the Registrant’s Current Report on Form 8-K dated September 10, 2003.
1.5 Pricing Agreement, dated May 5, 2004, in connection with the offering of the Registrant’s 5.65% Subordinated Notes due May 15, 2014.
5.7 Opinion of Sullivan & Cromwell LLP.

5.8 Opinion of Callister, Nebeker & McCullough.

23.8 Consent of Sullivan & Cromwell LLP (included in Exhibit 5.7).

23.9 Consent of Callister, Nebeker & McCullough (included in Exhibit 5.8).



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                  
            Doyle L. Arnold
            Executive Vice President
            and Chief Financial Officer

Date: May 7, 2004




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EXHIBIT INDEX

Number
 Exhibit
1.2 Underwriting Agreement, dated September 3, 2003, incorporated by reference to Exhibit 1.2 to the Registrant’s Current Report on Form 8-K dated September 10, 2003.
1.5 Pricing Agreement, dated May 5, 2004, in connection with the offering of the Registrant’s 5.65% Subordinated Notes due May 15, 2014.
5.7 Opinion of Sullivan & Cromwell LLP.
5.8 Opinion of Callister, Nebeker & McCullough.
23.8 Consent of Sullivan & Cromwell LLP (included in Exhibit 5.7).

23.9 Consent of Callister, Nebeker & McCullough (included in Exhibit 5.8).



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