Zions Bancorp. chief executive Harris H. Simmons jokes that on-line banking in Utah dates back to a telegraph system built by Mormon leader Brigham Young more than a century ago.

"He was one of the most entrepreneurial people ever to walk this part of the country, and he was a genius of a businessman," says Mr. Simmons, whose office window overlooks a statue of the bearded frontiersman, the founder of Zions First National Bank, Utah's second-largest.

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