EXHIBIT 21

LIST OF SUBSIDIARIES

ZIONS BANCORPORATION

AT DECEMBER 31, 2004

SUBSIDIARY	STATE OR JURISDICTION OF INCORPORATION/ORGANIZATION
Zions First National Bank	Federally chartered doing business in Utah and Idaho
California Bank & Trust	California
Nevada State Bank	Nevada
National Bank of Arizona	Federally chartered doing business in Arizona
Vectra Bank Colorado	Federally chartered doing business in Colorado and New Mexico
The Commerce Bank of Washington	Federally chartered doing business in Washington
Cash Access, Inc.	Utah
CSBI Capital Trust I (not consolidated)	Delaware
GB Capital Trust (not consolidated)	Delaware
Great Western Financial Corporation	Utah
NetDeposit, Inc.	Nevada
Providus Software Solutions, Inc.	Utah
Zions Capital Trust B (not consolidated)	Delaware
Zions Financial Corp.	Delaware
Zions Insurance Agency, Inc.	Utah
Zions Life Insurance Company	Arizona
Zions Management Services Company	Utah
Zions Municipal Funding, Inc.	Utah