UMB FINANCIAL CORP — Director's Dealing 2004

Dec 2, 2004

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2004-12-02

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

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-12-02	Common Stock	S	1900	$56.50	Disposed	1595592.00	Direct
2004-12-02	Common Stock	S	200	$56.53	Disposed	1595392.00	Direct
2004-12-02	Common Stock	S	300	$56.54	Disposed	1595092.00	Direct
2004-12-02	Common Stock	S	100	$56.66	Disposed	1594992.00	Direct
2004-12-02	Common Stock	S	100	$56.87	Acquired	1595092.00	Direct
2004-12-02	Common Stock	S	500	$56.91	Disposed	1594592.00	Direct
2004-12-02	Common Stock	S	1700	$56.95	Disposed	1592892.00	Direct
2004-12-02	Common Stock	S	200	$56.99	Disposed	1592692.00	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