SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
Pursuant to Section 15(d) Of The
Securities Exchange Act of 1934
For the Year Ended December 31, 1997
EMPLOYEE STOCK SAVINGS PLAN
One South Main, Suite 1380
Salt Lake City, Utah 84111
ITEM 1. CHANGES IN THE PLAN
The Plan was completely amended and restated as of October 1, 1992, with certain provisions retroactively
effective as of January 1, 1989. In 1994, the Plan was amended for the purpose of maintaining its qualification
under the Internal Revenue Code pursuant to the Tax Reform Act of 1986 and, in order to conform the Plan to
the requirements of the Unemployment Compensation Act of 1992 and the Omnibus Budget Reconciliation Act
of 1993. No changes were made in the Plan during the year 1996.
ITEM 2. CHANGES IN INVESTMENT POLICY
No material changes were made during the fiscal year in the policy with respect to the kind of securities and other
investments in which funds held under the plan may be invested.
ITEM 3. CONTRIBUTIONS UNDER THE PLAN
The Company's contributions are measured by reference to employee contributions and are not discretionary.
ITEM 4. PARTICIPATING EMPLOYEES
There were 3,240 participating employees in the Plan on December 31, 1997.
ITEM 5. ADMINISTRATION OF THE PLAN
(a) Zions Bancorporation is the Plan administrator. The Company's Board of Directors has appointed an
Administrative Committee consisting of seven persons. The Committee has full power and authority to administer
the Plan and to interpret its provisions. The present members of the Committee and their positions held are:
The address of each fiduciary listed above is One South Main, Suite 1380, Salt Lake City, Utah 84111.
(b) No compensation is paid to the Committee members by the Plan. All expenses of the Plan and its
administration are paid by the Company.
Member Position - Company