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: 2004-01-26

Reporting Person: GENOVESE PETER J (Director, Vice Chairman Eastern Region)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-01-26	Common Stock	I	434.05	$49.50	Acquired	434.05	Indirect
2004-11-23	Common Stock	I	439.28	$55.40	Disposed	0.00	Indirect

Holdings (Non-Derivative)

Security	Shares	Ownership
Common Stock	20284.00	Direct
Common Stock	12337.63	Indirect
Common Stock	615.00	Indirect

Footnotes

F1: Includes shares acquired from dividend reinvestment

F2: Reflects ESOP dividend reinvestment and diversification election made under the Internal Revenue Code since the last report