UMB FINANCIAL CORP — Director's Dealing 2004

Feb 3, 2004

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2004-02-03

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

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-02-03	Common Stock	S	1500	$49.05	Disposed	6529.00	Indirect

Holdings (Non-Derivative)

Security	Shares	Ownership
Common Stock	1744124.00	Direct
Common Stock	3930.28	Indirect
Common Stock	154645.00	Indirect
Common Stock	208080.00	Indirect
Common Stock	92150.00	Indirect
Common Stock	329528.00	Indirect