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. 333-36207) of Zions Bancorporation Employee
Stock Savings Plan, of our report dated January 24, 2000, relating to the
statements of net assets available for benefits of Zions Bancorporation Employee
Stock 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
