UMB FINANCIAL CORP — Director's Dealing 2004

May 20, 2004

SEC Form 4 — Statement of Changes in Beneficial Ownership

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

Reporting Person: DESILVA PETER J (Director, President, COO)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-05-20	Common Stock	P	100	$48.59	Acquired	4100.00	Direct