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UMB FINANCIAL CORP Director's Dealing 2004

May 20, 2004

30657_dirs_2004-05-20_72931fdf-3800-463a-8f51-b0db45440532.zip

Director's Dealing

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SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2004-05-20

Reporting Person: WOOD THOMAS J III (Director)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-05-20	Common Stock	S	600	$48.33	Disposed	15214.00	Direct
2004-05-20	Common Stock	S	600	$48.34	Disposed	14614.00	Direct
2004-05-20	Common Stock	S	200	$48.39	Disposed	14414.00	Direct
2004-05-20	Common Stock	S	200	$48.58	Disposed	14214.00	Direct
2004-05-20	Common Stock	S	100	$48.59	Disposed	14114.00	Direct
2004-05-20	Common Stock	S	600	$48.57	Disposed	13514.00	Direct
2004-05-20	Common Stock	S	100	$48.47	Disposed	13414.00	Direct
2004-05-20	Common Stock	S	100	$48.50	Disposed	13314.00	Direct
2004-05-20	Common Stock	S	100	$48.54	Disposed	13214.00	Direct
2004-05-20	Common Stock	S	100	$48.55	Disposed	13114.00	Direct
2004-05-20	Common Stock	S	300	$48.56	Disposed	12814.00	Direct

Holdings (Non-Derivative)

Security	Shares	Ownership
Common Stock	793.00	Indirect
Common Stock	1201.00	Indirect