Consent of Independent Certified Public Accountants
Zions Bancorporation:
We consent to the incorporation by reference in Zions Bancorporation's
Registration Statement (Form S-8 No. 333-36205) of Zions Bancorporation Employee
Investment Savings Plan, of our report dated April 29, 2000, relating to the
statements of net assets available for benefits of Zions Bancorporation Employee
Investment Savings Plan as of December 31, 1999 and 1998, and the related
statements of changes in net assets available for benefits for each of the years
in the three-year period ended December 31, 1999, which report appears in this
annual report on Form 11-K for the year ended December 31, 1999.
/s/KPMG LLP
Salt Lake City, Utah
June 28, 2000
