=IF(E3="ZEMO",U3,0)

I need to add reference to a value in another cell also and cannot
find how to do this.

The above looks at cell E3 and if it contains ZEMO returns the value
of cell U3. I wish to modify the above formula to only show U3 value
if cell M3="ZM" If it doesn't then 0 is shown in U3.

Can anybody help?