UMB FINANCIAL CORP — Director's Dealing 2004

Feb 19, 2004

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2004-02-19

Reporting Person: BELL H ALAN (Director)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-02-19	Common Stock	S	200	$49.69	Disposed	54243.00	Indirect
2004-02-19	Common Stock	S	100	$49.57	Disposed	54143.00	Indirect
2004-02-19	Common Stock	S	400	$49.59	Disposed	53743.00	Indirect
2004-02-19	Common Stock	S	300	$49.58	Disposed	53443.00	Indirect

Holdings (Non-Derivative)

Security	Shares	Ownership
Common Stock	7636.00	Direct