UMB FINANCIAL CORP — Director's Dealing 2005

May 20, 2005

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2005-05-18

Reporting Person: KEMPER R CROSBY JR (10% Owner)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2005-05-18	Common Stock	S	2752	$55.06	Disposed	1892901.00	Direct
2005-05-18	Common Stock	S	208	$56.05	Disposed	1892693.00	Direct
2005-05-18	Common Stock	S	2040	$56.00	Disposed	1890653.00	Direct
2005-05-20	Common Stock	S	5000	$55.87	Disposed	1885653.00	Direct

Holdings (Non-Derivative)

Security	Shares	Ownership
Common Stock	147925.00	Indirect
Common Stock	202352.00	Indirect
Common Stock	6529.00	Indirect