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UMB FINANCIAL CORP Director's Dealing 2005

May 2, 2005

30657_dirs_2005-05-02_1831a686-2620-4b83-b7b5-b1a528aed039.zip

Director's Dealing

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SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2005-04-28

Reporting Person: RILINGER DENNIS R (EVP and General Counsel)

Non-Derivative Transactions

Date Security Code Shares Price A/D Holdings After Ownership
2005-04-28 Common Stock A 665 Acquired 665.00 Direct
2005-04-28 Common Stock A 775 Acquired 1440.00 Direct

Derivative Transactions

Date Security Exercise Price Code Shares A/D Expiration Underlying Ownership
2005-04-28 Stock Option (right to buy) $53.13 A 2939 Acquired 2015-01-01 Common Stock (2939.00) Direct

Holdings (Non-Derivative)

Security Shares Ownership
Common Stock 845.53 Indirect
Common Stock 4742.00 Indirect

Footnotes

F1: Options vest 50% after 3years, 75% after 4 years and 100% after 5 years