UMB FINANCIAL CORP — Director's Dealing 2004

Feb 13, 2004

SEC Form 5 — Annual Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2003-12-31

Reporting Person: GENOVESE PETER J (Director, Vice Chairman Eastern Region)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2003-12-15	Common Stock	G	150	—	Disposed	25175.00	Direct

Holdings (Non-Derivative)

Security	Shares	Ownership
Common Stock	13783.52	Indirect
Common Stock	615.00	Indirect

Footnotes

F1: Amount beneficially owned adjusted to reflect errors in computing stock dividends. All transactions reported correctly