UMB FINANCIAL CORP — Director's Dealing 2003

Oct 31, 2003

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2003-10-30

Reporting Person: GENOVESE PETER J (Director, President)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2003-10-30	Common Stock	M	1541	$24.26	Acquired	29809.00	Direct
2003-10-30	Common Stock	S	731	$51.06	Disposed	29078.00	Direct

Derivative Transactions

Date	Security	Exercise Price	Code	Shares	A/D	Expiration	Underlying	Ownership
2003-10-30	Stock Option (right to buy)	$24.26	M	1541	Disposed	2003-12-27	Common Stock (1541.00)	Direct

Holdings (Non-Derivative)

Security	Shares	Ownership
Common Stock	13783.52	Indirect
Common Stock	615.00	Indirect

Footnotes

F1: Since the date of the reporting person's last ownership report, the reporting person has acquired shares 227.64 shares through dividend reinvestment in the ESOP, and the reporting person has disposed of 2,432.39 shares held in the ESOP pursuant to a diversification election made under the internal revenue code.

F2: Options vest 40% after 2 years; 60% after 3 years; 80% after 4 years; 100% after 4 years, 11 months