SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ------------ FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 --------------------- October 3, 2002 (October 3, 2002) -------------------------------------------------------------------------------- Date of Report (Date of earliest event reported) Zions Bancorporation -------------------------------------------------------------------------------- (Exact name of registrant as specified in its charter) Utah 0-2610 87-0227400 ------------------- --------------------------------- ------------------------ (State of (Commission File Number) (IRS Employer incorporation) Identification No.) One South Main, Suite 1134, Salt Lake City, Utah 84111 -------------------------------------------------------------------------------- (Address of principal executive offices) (Zip Code) (801) 524-4787 ------------------------------- (Registrant's telephone number, including area code) N/A -------------------------------------------------------------------------------- (Former name or former address, if changed since last report) 1 Items 1-8. Not Applicable. Item 9. Regulation FD Disclosure. The registrant reported today on charges related to expense reduction plans and impaired investments. A copy of the press release is attached hereto as Exhibit 99. Exhibit Number Description ------ ----------- 99 Press Release dated October 3, 2002 2 SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. ZIONS BANCORPORATION By: /s/ Harris H. Simmons ----------------------------- Name: Harris H. Simmons Title: Chairman, President and Chief Executive Officer Date: October 3, 2002 3