UMB FINANCIAL CORP — Director's Dealing 2004

Feb 18, 2004

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2004-02-05

Reporting Person: THOMPSON JAMES C JR (Exec. Vice Pres. - Subsidiary)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-02-05	Common Stock	M	280	$22.57	Acquired	931.00	Direct
2004-02-05	Common Stock	M	280	$31.23	Acquired	1211.00	Direct
2004-02-05	Common Stock	M	255	$30.34	Acquired	1466.00	Direct

Derivative Transactions

Date	Security	Exercise Price	Code	Shares	A/D	Expiration	Underlying	Ownership
2004-02-05	Stock Option (right to buy)	$22.57	M	280	Disposed	2004-11-07	Common Stock (280.00)	Direct
2004-02-05	Stock Option (right to buy)	$31.23	M	280	Disposed	2005-11-27	Common Stock (280.00)	Direct
2004-02-05	Stock Option (right to buy)	$30.34	M	255	Disposed	2006-10-18	Common Stock (255.00)	Direct

Holdings (Non-Derivative)

Security	Shares	Ownership
Common Stock	2842.95	Indirect
Common Stock	1152.00	Indirect

Footnotes

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