UMB FINANCIAL CORP — Director's Dealing 2004

Sep 1, 2004

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2004-08-31

Reporting Person: KEMPER R CROSBY JR (Director, Sr. Chairman, 10% Owner)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-08-31	Common Stock	S	1590	$48.50	Disposed	1702034.00	Direct
2004-08-31	Common Stock	S	100	$48.57	Disposed	1701934.00	Direct
2004-08-31	Common Stock	S	300	$48.56	Disposed	1701634.00	Direct
2004-08-31	Common Stock	S	500	$48.58	Disposed	1701134.00	Direct
2004-08-31	Common Stock	S	285	$48.67	Disposed	1700849.00	Direct
2004-09-01	Common Stock	S	2225	$48.50	Disposed	1698624.00	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