


                                                                 EXHIBIT 24

                                  POWER OF ATTORNEY
                                  POWER OF ATTORNEY

               We,  the undersigned Directors and Officers of UMB Financial
          Corporation,  do hereby name, constitute and appoint Alexander C.
          Kemper  or David D.  Miller, our agent  and attorney-in-fact, for
          each of us and in our respective behalves as Directors and/or  as
          Officers of UMB Financial Corporation, a Missouri corporation, to
          sign and  execute a Registration  Statement on Form S-3,  and any
          amendments or  supplements thereto, relating to  the registration
          with the  Securities and Exchange  Commission of the  offering of
          not more  than 300,000  shares of Common  Stock of  UMB Financial
          Corporation  related to  a  Dividend  Reinvestment  and  Employee
          Direct  Stock  Purchase   Plan,  and  to  file   such  documents,
          amendments or supplements,  with all exhibits thereto,  and other
          documents  in  connection  therewith,  with  the  Securities  and
          Exchange Commission  and such  other regulatory  agencies as  are
          necessary, granting unto  said attorneys-in-fact and  agents, and













          each of them, full power and authority to do and perform each and
          every act and thing  requisite and necessary to be done, as fully
          to all intents  and purposes as we  might or could do  in person,
          hereby ratifying  and confirming all  that said attorneys-in-fact
          and agents  or any of them, may  lawfully do or cause  be done by
          virtue hereof.

               Executed this 14th day of July, 1995.

           Name                                      Title
           ____                                      _____

           By /s/Paul D. Bartlett Jr.
             ________________________
              Paul D. Bartlett Jr.                   Director

           By /s/Thomas E. Beal       
             ________________________
              Thomas E. Beal                         Director
           By /s/H. Alan Bell        
             ________________________
              H. Alan Bell                           Director

           By________________________
              David R. Bradley                       Director
           By /s/Newton A.Campbell    
             ________________________
              Newton A. Campbell                     Director

           By________________________
              Thom R. Cooper                         Director

           By /s/William Terry Fuldner
              ________________________
              William Terry Fuldner                  Director
           By /s/Charles A. Garney    
             _________________________
              Charles A. Garney                      Director

           By /s/Peter J. Genovese                   Vice Chairman
             _________________________
              Peter J. Genovese                      of the Board

           By /s/C.N. Hoffman Jr.     
             _________________________
              C. N. Hoffman Jr.                      Director

           By /s/Alexander C. Kemper  
             _________________________
              Alexander C. Kemper                    President

           By /s/R. Crosby Kemper     
             _________________________
              R. Crosby Kemper                       Chairman and
                                                     CEO
           By /s/Rufus Crosby Kemper III             Director
             ___________________________
              Rufus Crosby Kemper III

           By /s/Daniel N. League Jr.   
             ___________________________
              Daniel N. League Jr.                   Director
           By__________________________              Vice Chairman
              Geoffrey E. Lind                       of the Board

           By__________________________
              Roy E. Mayes                           Director














           By /s/William J. McKenna    
             __________________________
              William J. McKenna                     Director

           By__________________________
              John H. Mize Jr.                       Director

           By /s/Mary Lynn Oliver      
             __________________________
              Mary Lynn Oliver                       Director
           By__________________________
              W. L. Orscheln                         Director

           By__________________________              Director and
              Douglas F. Page                        Executive
                                                     Vice
                                                     President
           By__________________________
              Richard A. Renfro                      Director

           By /s/Alan W. Rolley        
             __________________________
              Alan W. Rolley                         Director

           By__________________________
              Joseph F. Ruysser                      Director
           By__________________________
              Thomas D. Sanders                      Director

           By__________________________              Director and
              James A. Sangster                      Executive
                                                     Vice
                                                     President
           By__________________________
              Herman R. Sutherland                   Director

           By__________________________
              William C. Tempel                      Director

           By /s/E. Jack Webster Jr.   
             __________________________
              E. Jack Webster Jr.                    Director
           By__________________________              Director and
              J. Lyle Wells Jr.                      Vice Chairman
                                                     of the Board

           By /s/Jon M. Wefald                       Director
              _________________________
              Jon M. Wefald
           By /s/John E. Williams                    Director
             __________________________
              John E. Williams
          