UMB FINANCIAL CORP — Director's Dealing 2004

Nov 2, 2004

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2004-11-02

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

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-11-02	Common Stock	S	1200	$51.35	Disposed	1691624.00	Direct
2004-11-02	Common Stock	S	400	$51.37	Disposed	1691224.00	Direct
2004-11-02	Common Stock	S	100	$51.36	Disposed	1691124.00	Direct
2004-11-02	Common Stock	S	500	$51.45	Disposed	1690624.00	Direct
2004-11-02	Common Stock	S	700	$51.46	Disposed	1689924.00	Direct
2004-11-02	Common Stock	S	100	$51.47	Disposed	1689824.00	Direct
2004-11-02	Common Stock	S	100	$51.42	Disposed	1689724.00	Direct
2004-11-02	Common Stock	S	900	$51.48	Disposed	1688824.00	Direct
2004-11-02	Common Stock	S	214	$51.51	Disposed	1688610.00	Direct
2004-11-02	Common Stock	S	786	$51.52	Disposed	1687824.00	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