UMB FINANCIAL CORP — Director's Dealing 2004

Dec 14, 2004

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2004-12-14

Reporting Person: KEMPER R CROSBY JR (10% Owner)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-12-14	Common Stock	S	1946	$57.50	Disposed	1877860.00	Direct
2004-12-14	Common Stock	S	600	$57.52	Disposed	1877260.00	Direct
2004-12-14	Common Stock	S	300	$57.53	Disposed	1876960.00	Direct
2004-12-14	Common Stock	S	200	$57.54	Disposed	1876760.00	Direct
2004-12-14	Common Stock	S	1354	$57.73	Disposed	1875406.00	Direct
2004-12-14	Common Stock	S	100	$57.59	Disposed	1875306.00	Direct
2004-12-14	Common Stock	S	1000	$57.68	Disposed	1874306.00	Direct
2004-12-14	Common Stock	S	100	$57.69	Disposed	1874206.00	Direct
2004-12-14	Common Stock	S	300	$57.70	Disposed	1873906.00	Direct
2004-12-14	Common Stock	S	1500	$57.74	Disposed	1872406.00	Direct
2004-12-14	Common Stock	S	200	$57.71	Disposed	1872206.00	Direct
2004-12-14	Common Stock	S	100	$57.66	Disposed	1872106.00	Direct
2004-12-14	Common Stock	S	2300	$57.65	Disposed	1869806.00	Direct

Holdings (Non-Derivative)

Security	Shares	Ownership
Common Stock	3973.47	Indirect
Common Stock	147925.00	Indirect
Common Stock	202352.00	Indirect
Common Stock	6529.00	Indirect
Common Stock	100847.00	Indirect

Footnotes

F1: Includes 320,639 shares received as a liquidating distribution from Stagecoach Investments, L.P. In prior reports the reporting person reported bendifical ownership of 329,528 shares of Stagecoach Investments, LP.

F2: Includes 8,697 shares received as a liquidating distribution from Stagecoach Investments LP.