UMB FINANCIAL CORP — Director's Dealing 2004

Nov 19, 2004

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2004-11-17

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

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-11-17	Common Stock	S	700	$54.66	Disposed	1646792.00	Direct
2004-11-17	Common Stock	S	400	$54.55	Disposed	1646392.00	Direct
2004-11-17	Common Stock	S	400	$54.54	Disposed	1645992.00	Direct
2004-11-17	Common Stock	S	1600	$54.52	Disposed	1644392.00	Direct
2004-11-17	Common Stock	S	1900	$54.14	Disposed	1642492.00	Direct
2004-11-19	Common Stock	S	5000	$54.50	Disposed	1637492.00	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