UMB FINANCIAL CORP — Director's Dealing 2003

Oct 20, 2003

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2003-10-13

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

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2003-10-13	Common Stock	S	100	$50.30	Disposed	1795346.00	Direct
2003-10-13	Common Stock	S	100	$50.10	Disposed	1795246.00	Direct
2003-10-13	Common Stock	S	100	$50.22	Disposed	1795146.00	Direct
2003-10-20	Common Stock	S	100	$50.28	Disposed	1795046.00	Direct
2003-10-20	Common Stock	S	300	$50.13	Disposed	1794746.00	Direct
2003-10-20	Common Stock	S	600	$50.14	Disposed	1794146.00	Direct
2003-10-20	Common Stock	S	200	$50.30	Disposed	1793946.00	Direct
2003-10-20	Common Stock	S	100	$50.21	Disposed	1793846.00	Direct
2003-10-20	Common Stock	S	100	$50.29	Disposed	1793746.00	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

Footnotes

F1: Form 2 of 2 for transactions as of 10/20/03