UMB FINANCIAL CORP — Director's Dealing 2003

Nov 13, 2003

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2003-11-12

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

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2003-11-12	Common Stock	M	2570	$42.79	Acquired	1756316.00	Direct
2003-11-12	Common Stock	S	2192	$50.15	Disposed	1754124.00	Direct

Derivative Transactions

Date	Security	Exercise Price	Code	Shares	A/D	Expiration	Underlying	Ownership
2003-11-12	Stock Option (right to buy)	$42.79	M	2570	Disposed	2003-11-19	Common Stock (2570.00)	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