UMB FINANCIAL CORP — Director's Dealing 2004

Oct 20, 2004

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2004-10-20

Reporting Person: PAGE DOUGLAS F (Executive VP of Subsidiary)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-10-20	Common Stock	M	420	$22.57	Acquired	15695.00	Direct

Derivative Transactions

Date	Security	Exercise Price	Code	Shares	A/D	Expiration	Underlying	Ownership
2004-10-20	Stock Option (right to buy)	$22.57	M	420	Disposed	2004-11-07	Common Stock (420.00)	Direct

Holdings (Non-Derivative)

Security	Shares	Ownership
Common Stock	7877.30	Indirect

Footnotes

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