UMB FINANCIAL CORP — Director's Dealing 2003

Nov 14, 2003

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2003-11-13

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

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2003-11-13	Common Stock	S	500	$50.09	Disposed	1753624.00	Direct
2003-11-13	Common Stock	S	100	$50.00	Disposed	1753524.00	Direct
2003-11-14	Common Stock	S	100	$50.29	Disposed	1753424.00	Direct
2003-11-14	Common Stock	S	200	$50.10	Disposed	1753224.00	Direct
2003-11-14	Common Stock	S	200	$50.00	Disposed	1753024.00	Direct
2003-11-14	Common Stock	S	100	$50.20	Disposed	1752924.00	Direct
2003-11-14	Common Stock	S	200	$50.28	Disposed	1752724.00	Direct
2003-11-14	Common Stock	S	200	$50.30	Disposed	1752524.00	Direct
2003-11-14	Common Stock	S	300	$50.16	Disposed	1752224.00	Direct
2003-11-14	Common Stock	S	100	$50.17	Disposed	1752124.00	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