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: 2004-11-01

Reporting Person: SCHMIDTLEIN MARK A (Vice Chairman - Subsidiary)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-11-01	Common Stock	M	140	$22.57	Acquired	2274.44	Direct

Derivative Transactions

Date	Security	Exercise Price	Code	Shares	A/D	Expiration	Underlying	Ownership
2004-11-01	Stock Option (right to buy)	$22.57	M	140	Disposed	2004-11-07	Common Stock (140.00)	Direct

Holdings (Non-Derivative)

Security	Shares	Ownership
Common Stock	3885.05	Indirect

Footnotes

F1: Options vest 40% after 2 years; 60% after 3 years; 80% after 4 years; 100% after 4 years, 11 months