UMB FINANCIAL CORP — Director's Dealing 2003

Aug 21, 2003

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2003-08-21

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

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2003-08-21	Common Stock	S	500	$48.23	Disposed	1813246.00	Direct
2003-08-21	Common Stock	S	405	$48.16	Disposed	1812841.00	Direct
2003-08-21	Common Stock	S	500	$48.15	Disposed	1812341.00	Direct
2003-08-21	Common Stock	S	105	$48.10	Disposed	1812236.00	Direct
2003-08-21	Common Stock	S	895	$48.05	Disposed	1811341.00	Direct
2003-08-21	Common Stock	S	2595	$48.06	Disposed	1808746.00	Direct
2003-08-21	Common Stock	S	500	$48.39	Disposed	1808246.00	Direct
2003-08-21	Common Stock	S	500	$48.38	Disposed	1807746.00	Direct
2003-08-21	Common Stock	S	300	$48.34	Disposed	1807446.00	Direct
2003-08-21	Common Stock	S	3700	$48.31	Disposed	1803746.00	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