UMB FINANCIAL CORP — Director's Dealing 2004

Nov 4, 2004

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2004-11-04

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

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-11-04	Common Stock	S	800	$51.59	Disposed	1682024.00	Direct
2004-11-04	Common Stock	S	100	$51.58	Disposed	1681924.00	Direct
2004-11-04	Common Stock	S	100	$51.55	Disposed	1681824.00	Direct
2004-11-04	Common Stock	S	4000	$51.50	Disposed	1677824.00	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