UMB FINANCIAL CORP — Director's Dealing 2004

Nov 24, 2004

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2004-11-22

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

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-11-22	Common Stock	S	5000	$54.60	Disposed	1632492.00	Direct
2004-11-24	Common Stock	S	1800	$55.69	Disposed	1630692.00	Direct
2004-11-24	Common Stock	S	4900	$55.64	Disposed	1625792.00	Direct
2004-11-24	Common Stock	S	2100	$55.67	Disposed	1623692.00	Direct
2004-11-24	Common Stock	S	100	$55.65	Disposed	1623592.00	Direct
2004-11-24	Common Stock	S	500	$55.56	Disposed	1623092.00	Direct
2004-11-24	Common Stock	S	193	$55.57	Disposed	1622899.00	Direct
2004-11-24	Common Stock	S	407	$55.55	Disposed	1622492.00	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