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Proc-Type: 2001,MIC-CLEAR
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<SEC-DOCUMENT>0000912480-95-000029.txt : 19951119
<SEC-HEADER>0000912480-95-000029.hdr.sgml : 19951119
ACCESSION NUMBER:		0000912480-95-000029
CONFORMED SUBMISSION TYPE:	S-3
PUBLIC DOCUMENT COUNT:		7
FILED AS OF DATE:		19951114
SROS:			NASD

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			UMB FINANCIAL CORP
		CENTRAL INDEX KEY:			0000101382
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				430903811
		STATE OF INCORPORATION:			MO
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		S-3
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	033-64171
		FILM NUMBER:		95591308

	BUSINESS ADDRESS:	
		STREET 1:		1010 GRAND AVE
		CITY:			KANSAS CITY
		STATE:			MO
		ZIP:			64106
		BUSINESS PHONE:		8168607000

	MAIL ADDRESS:	
		ZIP:			-----

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	UNITED MISSOURI BANCSHARES INC
		DATE OF NAME CHANGE:	19920703

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MISSOURI BANCSHARES INC
		DATE OF NAME CHANGE:	19710915
</SEC-HEADER>
<DOCUMENT>
<TYPE>S-3
<SEQUENCE>1
<FILENAME>000091248095000029-001-seq1-s-3.txt
<DESCRIPTION>DIVIDEND REINVESTMENT AND EMPLOYEE STOCK PURCHASE
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-3.1
<SEQUENCE>2
<FILENAME>000091248095000029-002-seq2-ex-3-1.txt
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-3.2
<SEQUENCE>3
<FILENAME>000091248095000029-003-seq3-ex-3-2.txt
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5
<SEQUENCE>4
<FILENAME>000091248095000029-004-seq4-ex-5.txt
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-8
<SEQUENCE>5
<FILENAME>000091248095000029-005-seq5-ex-8.txt
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23
<SEQUENCE>6
<FILENAME>000091248095000029-006-seq6-ex-23.txt
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-24
<SEQUENCE>7
<FILENAME>000091248095000029-007-seq7-ex-24.txt
</DOCUMENT>
</SUBMISSION>