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: KEMPER R CROSBY JR (Director, Sr. Chairman, 10% Owner)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2003-06-02	Common Stock	G	100	—	Disposed	1744124.00	Direct

Holdings (Non-Derivative)

Security	Shares	Ownership
Common Stock	3930.28	Indirect
Common Stock	154645.00	Indirect
Common Stock	208080.00	Indirect
Common Stock	8029.00	Indirect
Common Stock	92150.00	Indirect
Common Stock	329528.00	Indirect