UMB FINANCIAL CORP — Director's Dealing 2005

May 2, 2005

SEC Form 4 — Statement of Changes in Beneficial Ownership

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

Reporting Person: KEMPER J MARINER (Vice Chairman)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2005-04-28	Common Stock	A	4618	—	Acquired	14781.00	Direct
2005-04-28	Common Stock	A	2309	—	Acquired	17090.00	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	8747	Acquired	2015-01-01	Common Stock (8747.00)	Direct

Holdings (Non-Derivative)

Security	Shares	Ownership
Common Stock	667.95	Indirect
Common Stock	6162.00	Indirect
Common Stock	43694.00	Indirect

Footnotes

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