ZIONS BANCORPORATION /UT/
S-8, EX-23.1, 2000-11-13
NATIONAL COMMERCIAL BANKS
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                                  Exhibit 23.1


               Consent of Independent Certified Public Accountants


To The Board of Directors
Zions Bancorporation:


We consent to incorporation by reference in the registration statement on Form
S-8 of Zions Bancorporation of our report dated February 7, 2000 relating to
the consolidated balance sheets of Zions Bancorporation and subsidiaries as of
December 31, 1999, and 1998, and the related consolidated statements of income,
cash flows, and changes in shareholders' equity and comprehensive income for
each of the years in the three-year period ended December 31, 1999.


                                              /S/KPMG LLP






Salt Lake City, Utah
October 30, 2000





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