Amendment to the Trust Agreement dated January 6, 2005



 EXHIBIT 10.13 
  
 AMENDMENT TO THE TRUST AGREEMENT 
 Establishing the 
 ZIONS BANCORPORATION DEFERRED COMPENSATION PLANS TRUST 
  
 WHEREAS, effective October 1, 2002, the Zions Bancorporation Deferred Compensation Plan Trust
(hereinafter called the “Trust”) was established by and between Zions Bancorporation (hereinafter called the “Employer”), and CIGNA Bank & Trust Company, FSB, a federal savings bank with its principal office and place
of business in the City of Hartford, Connecticut; in connection with and as part of the Zions Bancorporation Deferred Compensation Plan (hereinafter called the “Plan”); and 
  
 WHEREAS, effective April 1, 2004, in connection with the sale of CIGNA’s retirement business to Prudential Financial, Inc., CIGNA Bank
& Trust Company, FSB merged with another banking institution owned by Prudential Financial, Inc. to form Prudential Bank & Trust, FSB (hereinafter called the “Trustee”); and 
  
 WHEREAS, effective December 31, 2004, the Employer wishes to amend the Trust Agreement and
create a Schedule of Covered Plans (Exhibit A of the Trust Agreement) to include in the Trust additional plans the Employer has added under its Group Annuity Contract as a result of non-qualified deferred compensation legislative changes;

  
 NOW THEREFORE, the Trust Agreement is hereby amended effective April 1, 2004
as follows: 
  

	1.	The face page of the Trust Agreement is amended by deleting the name of the Trustee, CIGNA Bank & Trust Company, FSB, and by replacing it in its entirety with Prudential Bank
& Trust, FSB. 

  

	2.	The first paragraph of the Trust Agreement is amended by deleting the name of the Trustee and by replacing it in its entirety with Prudential Bank & Trust, FSB, a
federally-chartered thrift with its principal office and place of business in the City of Hartford, Connecticut. 

  
 NOW THEREFORE, the Trust Agreement is hereby amended effective December 31, 2004 as follows: 
  

	1.	A Schedule of Covered Plans (Exhibit A of the Trust Agreement) is created and attached hereto and forms a part hereof. 

  

	2.	The name of the Plan, Zions Bancorporation Deferred Compensation Plan, in the second paragraph of the Trust Agreement is deleted and replaced in its entirety by Zions Bancorporation
Deferred Compensation Plans. 









	3.	The face page and Section 1(d) of the Trust Agreement is amended by deleting the name of the Trust, Zions Bancorporation Deferred Compensation Plan Trust, and by replacing it in its
entirety with Zions Bancorporation Deferred Compensation Plans Trust. 








 IN WITNESS WHEREOF, this amendment has been executed on the dates indicated below. 
  

							
	 EMPLOYER
	 	 PRUDENTIAL BANK & TRUST, FSB

				
	 By
	 	     /s/ Diana M. Andersen

	 	 By
	 	     /s/ Andrew F. Levesque


				
	 Its
	 	     V.P. & Dir – Corp Benefits

	 	 Its
	 	     Trust Officer


				
	 Date
	 	     12/30/2004

	 	 Date
	 	     1/6/2005


				
	 Attest
	 	
	 	 Attest
	 	     /s/ Joan M. Bobbitt










 EXHIBIT A 
  
 SCHEDULE OF COVERED PLANS 
  

	1.	Zions Bancorporation Deferred Compensation Plan 

  

	2.	Zions Bancorporation Post 2004 Deferred Compensation Plan 

  

	3.	Zions Bancorporation Excess Benefit Plan 

  

	4.	Zions Bancorporation Post 2004 Excess Benefit Plan