UMB FINANCIAL CORP — Director's Dealing 2004

Nov 16, 2004

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2004-11-15

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

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-11-15	Common Stock	S	1410	$54.58	Disposed	1661082.00	Direct
2004-11-15	Common Stock	S	100	$54.56	Disposed	1660982.00	Direct
2004-11-15	Common Stock	S	2100	$54.55	Disposed	1658882.00	Direct
2004-11-15	Common Stock	S	325	$54.50	Disposed	1658557.00	Direct
2004-11-15	Common Stock	S	700	$54.19	Disposed	1657857.00	Direct
2004-11-15	Common Stock	S	965	$54.15	Disposed	1656892.00	Direct
2004-11-15	Common Stock	S	200	$54.17	Disposed	1656692.00	Direct
2004-11-15	Common Stock	S	1800	$54.14	Disposed	1654892.00	Direct
2004-11-15	Common Stock	S	300	$54.04	Disposed	1654592.00	Direct
2004-11-15	Common Stock	S	2100	$54.00	Disposed	1652492.00	Direct
2004-11-16	Common Stock	S	600	$54.05	Disposed	1651892.00	Direct
2004-11-16	Common Stock	S	500	$54.04	Disposed	1651392.00	Direct
2004-11-16	Common Stock	S	1600	$54.03	Disposed	1649792.00	Direct
2004-11-16	Common Stock	S	100	$54.02	Disposed	1649692.00	Direct
2004-11-16	Common Stock	S	2200	$54.00	Disposed	1647492.00	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