The total number of ways to select 2 towns out of 12 is given by the combination formula:
\[
\binom{12}{2} = \frac{12 \times 11}{2} = 66
\]
Each zone contains 3 towns, and the number of ways to connect two towns within a zone is:
\[
\binom{3}{2} = 3
\]
Thus, for the 4 zones, the total number of connections within the zones is:
\[
4 \times 3 = 12
\]
Therefore, the number of connections between towns in different zones is:
\[
66 - 12 = 54
\]
Since each connection between towns in different zones requires 1 direct line, the total number of direct telephone lines required is:
\[
54 \times 1 + 12 \times 3 = 96
\]