UMB FINANCIAL CORP — Director's Dealing 2003

Oct 6, 2003

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2003-10-02

Reporting Person: DIETRICH SHEILA KEMPER (Executive Vice President)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2003-10-02	Common Stock	M	308	$24.26	Acquired	13772.00	Direct
2003-10-02	Common Stock	F	154	$48.47	Disposed	13618.00	Direct

Derivative Transactions

Date	Security	Exercise Price	Code	Shares	A/D	Expiration	Underlying	Ownership
2003-10-02	Stock Option (right to buy)	$24.26	M	308	Disposed	2003-12-27	Common Stock (308.00)	Direct

Holdings (Non-Derivative)

Security	Shares	Ownership
Common Stock	19.23	Indirect
Common Stock	1240.33	Indirect
Common Stock	6162.00	Indirect
Common Stock	25.65	Indirect
Common Stock	12.20	Indirect
Common Stock	107.01	Indirect

Footnotes

F1: Options vest 40% after 2 years; 60% after 3 years; 80% after 4 years; 100% after 4 years, 11 months