UMB FINANCIAL CORP — Director's Dealing 2003

Oct 21, 2003

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2003-10-21

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

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2003-10-21	Common Stock	S	52	$49.81	Disposed	1793694.00	Direct
2003-10-21	Common Stock	S	7788	$49.50	Disposed	1785906.00	Direct
2003-10-21	Common Stock	S	1000	$49.65	Disposed	1784906.00	Direct
2003-10-21	Common Stock	S	560	$49.51	Disposed	1784346.00	Direct
2003-10-21	Common Stock	S	100	$49.57	Disposed	1784246.00	Direct
2003-10-21	Common Stock	S	100	$49.62	Disposed	1784146.00	Direct
2003-10-21	Common Stock	S	200	$49.59	Disposed	1783946.00	Direct
2003-10-21	Common Stock	S	200	$49.58	Disposed	1783746.00	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