SEC FORM 5

SEC Form 5

FORM 5

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

ANNUAL STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Form 3 Holdings Reported.

Form 4 Transactions Reported.

1. Name and Address of Reporting Person^*

SIMMONS HARRIS H

(Last)

(First)

(Middle)

ONE SOUTH MAIN STREET, SUITE 1134

(Street)

SALT LAKE CITY

84111

(City)

(State)

(Zip)

2. Issuer Name and Ticker or Trading Symbol
ZIONS BANCORPORATION /UT/ [ ZION ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director	10% Owner
X	Officer (give title below)	Other (specify below)
	Chairman, President	& CEO

3. Statement for Issuer's Fiscal Year Ended (Month/Day/Year)
12/31/2004

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)	4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned at end of Issuer's Fiscal Year (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	12/28/2004		G	4,280	D	⁽¹⁾	293,521	D
Common Stock	12/28/2004		G	320	A	⁽¹⁾	293,841	D
Common Stock	12/29/2004		G	14,280	A	⁽¹⁾	205,809	I	By Simmons Family Foundation⁽²⁾
Common Stock	12/31/2004⁽³⁾		J⁽³⁾	1,284.67	A	⁽⁴⁾	56,994.5563	I	By 401(k) Plan
Common Stock	12/28/2004		G	560	A	⁽¹⁾	2,650	I	Custodian for Minor Children⁽²⁾
Common Stock	12/28/2004		G	1,000	A	⁽¹⁾	3,000	I	By Wife
Common Stock							1,814,488	I	By Crestwood Communications
Common Stock							38,069	I	By H&A Simmons Foundation⁽²⁾

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)	5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
Deferred Comp	$0⁽⁵⁾	05/26/2004		J⁽⁶⁾	1.7505		⁽⁷⁾	⁽⁷⁾	Common Stock	1.7505	$60.19⁽⁷⁾	331.0089	D
Deferred Comp	$0⁽⁵⁾	08/26/2004		J⁽⁶⁾	1.7325		⁽⁷⁾	⁽⁷⁾	Common Stock	1.7325	$61.14	332.7414	D
Deferred Comp	$0⁽⁵⁾	11/26/2004		J⁽⁶⁾	1.5988		⁽⁷⁾	⁽⁷⁾	Common Stock	1.5988	$66.6	334.3402	D

Explanation of Responses:

1. Bona fide gift

2. The reporting person disclaims beneficial ownership of these securities, and this report shall not be deemed an admission that the reporting person is the beneficial owner of the securities for purposes of Section 16 or for any other purpose.

3. During the calendar year ended December 31, 2004, the reporting person acquired the shares indicated under the company's 401(k) plan at prices ranging from $54.08 to $69.29 per share.

4. During the calendar year ended December 31, 2003, the reporting person acquired the shares indicated under the company's 401(k) Plan at prices ranging from $39.31 to $63.86 per share.

5. Each unit represents one share of the company's Common Stock.

6. On the date indicated, the reporting person acquired the shares indicated through the reinvestment of dividends paid on shares held in their deferred compensation account.

7. Units are paid out in cash upon the earlier of death, retirement or termination of employment.

	Clark Hinckley, Attorney In Fact for H.H. Simmons	02/14/2005
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
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