UMB FINANCIAL CORP — Director's Dealing 2004

Dec 1, 2004

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2004-11-30

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

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-11-30	Common Stock	S	2500	$56.00	Disposed	1604992.00	Direct
2004-11-30	Common Stock	S	100	$56.06	Disposed	1604892.00	Direct
2004-11-30	Common Stock	S	400	$56.07	Disposed	1604492.00	Direct
2004-11-30	Common Stock	S	2000	$56.08	Disposed	1602492.00	Direct
2004-12-01	Common Stock	S	4300	$56.50	Disposed	1598192.00	Direct
2004-12-01	Common Stock	S	700	$56.57	Disposed	1597492.00	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