UMB FINANCIAL CORP — Director's Dealing 2003

Nov 20, 2003

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2003-11-20

Reporting Person: KEMPER R CROSBY JR (Director, Sr. Chairman, 10% Owner)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2003-11-20	Common Stock	S	500	$48.23	Disposed	1748624.00	Direct
2003-11-20	Common Stock	S	3400	$48.00	Disposed	1745224.00	Direct
2003-11-20	Common Stock	S	200	$48.11	Disposed	1745024.00	Direct
2003-11-20	Common Stock	S	500	$48.24	Disposed	1744524.00	Direct
2003-11-20	Common Stock	S	300	$48.25	Disposed	1744224.00	Direct
2003-11-20	Common Stock	S	100	$48.20	Disposed	1744124.00	Direct

Holdings (Non-Derivative)

Security	Shares	Ownership
Common Stock	4013.11	Indirect
Common Stock	154645.00	Indirect
Common Stock	208080.00	Indirect
Common Stock	12029.00	Indirect
Common Stock	92150.00	Indirect
Common Stock	329528.00	Indirect