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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 CFOQScYcZGxfldd2+gun0SqzNg7ZU+v6XxKJNSKjekxxz6+SenRSpvz6mqWI0oQ3
 Y2XDW5S0qg3hZuBvpajJvg==

<SEC-DOCUMENT>0000101382-03-000095.txt : 20031217
<SEC-HEADER>0000101382-03-000095.hdr.sgml : 20031217
<ACCEPTANCE-DATETIME>20031217165838
ACCESSION NUMBER:		0000101382-03-000095
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20031216
FILED AS OF DATE:		20031217

ISSUER:		

	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

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

	MAIL ADDRESS:	
		STREET 1:		1010 GRAND AVE
		CITY:			KANSAS CITY
		STATE:			MO
		ZIP:			64106

	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

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			HAMMONS ROYCE M
		CENTRAL INDEX KEY:			0001229105

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-04887
		FILM NUMBER:		031060496

	BUSINESS ADDRESS:	
		STREET 1:		803 W. MICHIGAN ST.
		STREET 2:		SUITE A
		CITY:			MILWAUKEE
		STATE:			WI
		ZIP:			53233
		BUSINESS PHONE:		4142262262501

	MAIL ADDRESS:	
		STREET 1:		803 W. MICHIGAN ST.
		STREET 2:		SUITE A
		CITY:			MILWAUKEE
		STATE:			WI
		ZIP:			53233
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>ham117.xml
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>
    <schemaVersion>X0201</schemaVersion>

    <documentType>4</documentType>
	<periodOfReport>2003-12-16</periodOfReport>
	<notSubjectToSection16>0</notSubjectToSection16>
    <issuer>
        <issuerCik>0000101382</issuerCik>
        <issuerName>UMB FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>UMBF</issuerTradingSymbol>
	</issuer>
	<reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001229105</rptOwnerCik>
            <rptOwnerName>HAMMONS ROYCE M</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>1010 GRAND BLVD.</rptOwnerStreet1>
            <rptOwnerStreet2>P. O. BOX 419226</rptOwnerStreet2>
            <rptOwnerCity>KANSAS CITY</rptOwnerCity>
            <rptOwnerState>MO</rptOwnerState>
            <rptOwnerZipCode>641416226</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
			<isDirector>0</isDirector>
			<isOfficer>1</isOfficer>
			<isTenPercentOwner>0</isTenPercentOwner>
			<isOther>0</isOther>
			<officerTitle>President of Oklahoma Region</officerTitle>
		</reportingOwnerRelationship>
	</reportingOwner>
	<derivativeTable>
		<derivativeTransaction>
			<securityTitle>
				<value>Stock Option (right to buy)</value>
			</securityTitle>
			<conversionOrExercisePrice>
				<value>48.64</value>
			</conversionOrExercisePrice>
			<transactionDate>
				<value>2003-12-16</value>
			</transactionDate>
			<deemedExecutionDate>
			</deemedExecutionDate>
			<transactionCoding>
				<transactionFormType>4</transactionFormType>
				<transactionCode>A</transactionCode>
				<equitySwapInvolved>0</equitySwapInvolved>
			</transactionCoding>
			<transactionAmounts>
				<transactionShares>
					<value>700</value>
				</transactionShares>
				<transactionPricePerShare>
					<value>0</value>
				</transactionPricePerShare>
				<transactionAcquiredDisposedCode>
					<value>A</value>
				</transactionAcquiredDisposedCode>
			</transactionAmounts>
			<exerciseDate>
				<value>2008-11-16</value>
			</exerciseDate>
			<expirationDate>
				<value>2013-12-16</value>
			</expirationDate>
			<underlyingSecurity>
				<underlyingSecurityTitle>
					<value>Common Stock</value>
				</underlyingSecurityTitle>
				<underlyingSecurityShares>
					<value>700.00</value>
				</underlyingSecurityShares>
			</underlyingSecurity>
			<postTransactionAmounts>
				<sharesOwnedFollowingTransaction>
					<value>700.00</value>
				</sharesOwnedFollowingTransaction>
			</postTransactionAmounts>
			<ownershipNature>
				<directOrIndirectOwnership>
					<value>D</value>
				</directOrIndirectOwnership>
				<natureOfOwnership>
					<value/>
				</natureOfOwnership>
			</ownershipNature>
		</derivativeTransaction>
	</derivativeTable>
	<footnotes>
	</footnotes>
	<remarks>
	</remarks>
	<ownerSignature>
		<signatureName>By: John C. Pauls, Attorney in Fact</signatureName>
		<signatureDate>2003-12-17</signatureDate>
	</ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-24
<SEQUENCE>3
<FILENAME>hammonspoa.txt
<DESCRIPTION>HAMMONS POWER OF ATTY
<TEXT>
LIMITED POWER OF ATTORNEY

	KNOW ALL BY THESE PRESENTS, that the undersigned, Royce M. Hammons,
of 13009 Burnt Oak Road (address), City of Oklahoma City, County of Oklahoma,
State of Oklahoma, hereby constitutes and appoints, Dennis R. Rilinger and
John C. Pauls, each individually, my true and lawful attorney-in-fact to:

(1) execute for and on behalf of the undersigned, in the undersigneds capacity
as an officer and/or director of UMB Financial Corporation (the Company),
Forms 3, 4 or 5 in accordance with Section 16(a) of the Securities Exchange Act
of 1934 and the rules thereunder; and

(2) do and perform any and all acts for and on behalf of the undersigned which
may be necessary or desirable to complete and execute any such Form 3, 4 or 5
and timely file such form with the United State Securities and Exchange
Commission and any stock exchange or similar authority; and

(3) take any other action of any type whatsoever in connection with the
foregoing which, in the opinion of such attorney-in-fact, may be of benefit to,
in the best interest of, or legally required by, the undersigned, it being
understood that the documents executed by such attorney-in-fact on behalf of
the undersigned pursuant to this Limited Power of Attorney shall be in such
form and shall contain such terms and conditions as such attorney-in-fact may
approve in such attorney-in-facts discretion.

The undersigned hereby grants to such attorney-in-fact full power and
authority to do and perform any and every act and thing whatsoever requisite,
necessary, or proper to be done in the exercise of any of the rights and powers
herein granted, as fully to all intents and purposes as the undersigned might
or could do if personally present, with full power of substitution or
revocation, hereby ratifying and confirming all that such attorney-in-fact,
or such attorney-in-facts substitute or substitutes, shall lawfully do
or cause to be done by virtue of this limited power of attorney and the rights
and powers herein granted.  The undersigned acknowledges that the foregoing
attorney-in-fact, in serving in such capacity at the request of the
undersigned, is not assuming, nor is the Company assuming, any of the
undersigneds responsibilities to comply with Section 16 of the Securities
Exchange Act of 1934.

This Limited Power of Attorney shall remain in full force and effect until the
undersigned is no longer required to file Forms 3, 4 or 5 with respect to the
undersigneds holdings of or transactions in securities issued by the Company,
unless earlier revoked by the undersigned in a signed writing delivered to the
foregoing attorney-in-fact.

IN WITNESS WHEREOF, the undersigned has caused this Limited Power of
Attorney to be executed on the 28 day of August, 2002.

						/s/ Royce M. Hammons





1121376v1



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