<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2005-05-06</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0000109380</issuerCik>
        <issuerName>ZIONS BANCORPORATION /UT/</issuerName>
        <issuerTradingSymbol>ZION</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001184831</rptOwnerCik>
            <rptOwnerName>BUCHANAN DANNE L</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>ONE SOUTH MAIN STREET, SUITE 1134</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>SALT LAKE CITY</rptOwnerCity>
            <rptOwnerState>UT</rptOwnerState>
            <rptOwnerZipCode>84111</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Executive Vice Pres.</officerTitle>
            <otherText></otherText>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2005-01-06</value>
                <footnoteId id="F1"/>
            </transactionDate>
            <deemedExecutionDate></deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>5</transactionFormType>
                <transactionCode>J</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
                <footnoteId id="F1"/>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>7346.277</value>
                </transactionShares>
                <transactionPricePerShare>
                    <footnoteId id="F1"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>8992.143</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>By 401(k) Plan</value>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>13273.</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <derivativeTable>
        <derivativeTransaction>
            <securityTitle>
                <value>Stock Option (right / to buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>70.79</value>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2005-05-06</value>
            </transactionDate>
            <deemedExecutionDate></deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>2500.</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0</value>
                    <footnoteId id="F2"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <footnoteId id="F2"/>
            </exerciseDate>
            <expirationDate>
                <value>2012-05-05</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>2500.</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>75750.</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeTransaction>
        <derivativeTransaction>
            <securityTitle>
                <value>Deferred Comp</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <footnoteId id="F3"/>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2005-02-18</value>
            </transactionDate>
            <deemedExecutionDate></deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>5</transactionFormType>
                <transactionCode>J</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
                <footnoteId id="F4"/>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>76.1892</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>67.10</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <footnoteId id="F5"/>
            </exerciseDate>
            <expirationDate>
                <footnoteId id="F5"/>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>76.1892</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>250.8157</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeTransaction>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">Since the date of the reporting person's last ownership report, he transferred 7,346.277 shares of Zions Bancorporation common stock to his ex-wife pursuant to a domestic relations order.</footnote>
        <footnote id="F2">Options granted under the Zions Bancorporation 2005 Stock Option and Incentive Plan.  Options vest 33% per year for 3 years.</footnote>
        <footnote id="F3">Each unit represents one share of the company's Common
Stock.</footnote>
        <footnote id="F4">This amount represents Employer profit sharing
distributions attributable to deferred compensation amounts
and compensation in excess of IRS limitations.</footnote>
        <footnote id="F5">Units are paid out in cash upon the earlier of death,
retirement or termination of employment.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>Clark Hinckley, Attorney In Fact for D. Buchanan</signatureName>
        <signatureDate>2005-06-16</signatureDate>
    </ownerSignature>
</ownershipDocument>
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X0202
4
2005-05-06
0
0000109380
ZIONS BANCORPORATION /UT/
ZION
0001184831
BUCHANAN DANNE L
ONE SOUTH MAIN STREET, SUITE 1134
SALT LAKE CITY
UT
84111
0
1
0
0
Executive Vice Pres.
Common Stock
2005-01-06
5
J
0
7346.277
D
8992.143
I
By 401(k) Plan
Common Stock
13273.
D
Stock Option (right / to buy)
70.79
2005-05-06
4
A
0
2500.
0
A
2012-05-05
Common Stock
2500.
75750.
D
Deferred Comp
2005-02-18
5
J
0
76.1892
67.10
A
Common Stock
76.1892
250.8157
D
Since the date of the reporting person's last ownership report, he transferred 7,346.277 shares of Zions Bancorporation common stock to his ex-wife pursuant to a domestic relations order.
Options granted under the Zions Bancorporation 2005 Stock Option and Incentive Plan.  Options vest 33% per year for 3 years.
Each unit represents one share of the company's Common
Stock.
This amount represents Employer profit sharing
distributions attributable to deferred compensation amounts
and compensation in excess of IRS limitations.
Units are paid out in cash upon the earlier of death,
retirement or termination of employment.
Clark Hinckley, Attorney In Fact for D. Buchanan
2005-06-16