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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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<SEC-DOCUMENT>0000101382-95-000008.txt : 19951220
<SEC-HEADER>0000101382-95-000008.hdr.sgml : 19951220
ACCESSION NUMBER:		0000101382-95-000008
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	19951219
ITEM INFORMATION:		Changes in control of registrant
FILED AS OF DATE:		19951219
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:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-04887
		FILM NUMBER:		95602701

	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>8-K
<SEQUENCE>1
<TEXT>

<PAGE>






December 19, 1995



Securities and Exchange Commission
450 5th Street Northwest
Washington, D.C.  20549-1004
Attention:  Filing Desk, Stop 1-4

Dear Sirs:

Pursuant to regulations of the Securities and Exchange Commission, submitted
herewith for filing on behalf of UMB Financial Corporation (the "Company"), is 
the Company's Report on Form 8-K.

UMB Financial Corporation and the Company's Employee Stock Ownership Plan (ESOP)
agreed to purchase 1,581,133 shares of UMB Financial Corporation stock from
Dickinson Financial Corporation at $43.50 per share.  

This transaction includes all shares currently held or under option by Dickinson
Financial Corporation and represents 7.7 percent of UMB Shares outstanding.  
Approximately 25% of the shares will be acquired in a leveraged purchase by
the Company's ESOP.  The balance of the shares will be placed in Treasury Stock
using existing working capital.

This filing is being effected by direct transmission to the Commission's
EDGAR System.

Yours truly,



Timothy M. Connealy
Chief Financial Officer


</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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