UMB FINANCIAL CORP — Director's Dealing 2004

Nov 3, 2004

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2004-11-03

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

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-11-03	Common Stock	S	100	$51.62	Disposed	1687724.00	Direct
2004-11-03	Common Stock	S	1000	$51.61	Disposed	1686724.00	Direct
2004-11-03	Common Stock	S	100	$51.60	Disposed	1686624.00	Direct
2004-11-03	Common Stock	S	100	$51.57	Disposed	1686524.00	Direct
2004-11-03	Common Stock	S	600	$51.56	Disposed	1685924.00	Direct
2004-11-03	Common Stock	S	1000	$51.54	Disposed	1684924.00	Direct
2004-11-03	Common Stock	S	100	$51.52	Disposed	1684824.00	Direct
2004-11-03	Common Stock	S	200	$51.51	Disposed	1684624.00	Direct
2004-11-03	Common Stock	S	1800	$51.50	Disposed	1682824.00	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