UMB FINANCIAL CORP — Director's Dealing 2004

Nov 29, 2004

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2004-11-26

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

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-11-26	Common Stock	S	500	$56.02	Disposed	1621992.00	Direct
2004-11-29	Common Stock	S	4500	$56.20	Disposed	1617492.00	Direct
2004-11-29	Common Stock	S	200	$56.01	Disposed	1617292.00	Direct
2004-11-29	Common Stock	S	7177	$56.00	Disposed	1610115.00	Direct
2004-11-29	Common Stock	S	923	$56.13	Disposed	1609192.00	Direct
2004-11-29	Common Stock	S	400	$56.11	Disposed	1608792.00	Direct
2004-11-29	Common Stock	S	300	$56.10	Disposed	1608492.00	Direct
2004-11-29	Common Stock	S	500	$56.08	Disposed	1607992.00	Direct
2004-11-29	Common Stock	S	500	$56.07	Disposed	1607492.00	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