UMB FINANCIAL CORP — Director's Dealing 2004

Dec 7, 2004

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2004-12-06

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

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-12-06	Common Stock	S	400	$57.38	Disposed	1592292.00	Direct
2004-12-06	Common Stock	S	1200	$57.39	Disposed	1591092.00	Direct
2004-12-06	Common Stock	S	1093	$5740.00	Disposed	1589999.00	Direct
2004-12-06	Common Stock	S	600	$57.42	Disposed	1589399.00	Direct
2004-12-06	Common Stock	S	100	$57.43	Disposed	1589299.00	Direct
2004-12-06	Common Stock	S	2000	$57.45	Disposed	1587299.00	Direct
2004-12-06	Common Stock	S	1100	$57.46	Disposed	1586199.00	Direct
2004-12-06	Common Stock	S	5000	$57.47	Disposed	1581199.00	Direct
2004-12-06	Common Stock	S	907	$57.50	Disposed	1580292.00	Direct
2004-12-06	Common Stock	S	300	$57.51	Disposed	1579992.00	Direct
2004-12-06	Common Stock	S	2300	$57.52	Disposed	1577692.00	Direct
2004-12-07	Common Stock	S	3300	$57.30	Disposed	1574392.00	Direct
2004-12-07	Common Stock	S	2700	$57.27	Disposed	1571692.00	Direct
2004-12-07	Common Stock	S	4000	$57.25	Disposed	1567692.00	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	92150.00	Indirect
Common Stock	329528.00	Indirect