
                                                                 EXHIBIT 23

                            INDEPENDENT AUDITORS' CONSENT

          We consent to the incorporation by reference in this Registration
          Statement of UMB Financial Corporation  on Form S-3 of our report
          dated January 19, 1995,  incorporated by reference in  the Annual
          Report on  Form 10-K  of UMB Financial  Corporation for  the year
          ended December  31, 1994  and to the  reference to  us under  the
          heading "Experts"  in  the  Prospectus, which  is  part  of  this
          Registration Statement.

          /s/Deloitte & Touche LLP
          Kansas City, Missouri
          November 10, 1995

          