<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>2
<FILENAME>umbf-ex101_7183075.txt
<DESCRIPTION>EMPLOYMENT OFFER CLYDE WENDEL
<TEXT>




June 8, 2006



Mr. Clyde F. Wendel

Dear Clyde:

In light of our ongoing  conversations about the prospect of joining your talent
and prominence in the Kansas City financial  services market with UMB's exciting
prospects  for the future,  I am pleased to propose a position with UMB, at such
time in the  future  as you are no longer  employed  by your  current  employer,
encompassing the following roles:

     o    President - UMB Asset Management
     o    Managing Director - Private Banking
     o    Director - UMB Bank, na (subject to Board approval)
     o    Vice Chairman - UMB Bank, na (subject to Board approval)

You  would  serve as a member  of UMB's  Management  Committee  assuming  direct
leadership for the following areas under UMB Asset Management:

     o    Investment and Wealth Management
     o    Institutional Sales and Services
     o    Scout Investment Advisors
     o    Private Banking
     o    Corporate Trust

In addition,  you would serve as an Asset Management  Committee member providing
sales and client services  leadership for all of the Asset  Management  lines of
business.  And of course,  you would work to enhance  UMB's  community  outreach
through your  continued  involvement  and  visibility  in the local  service and
charitable organizations.

The terms of your proposed employment include the following:

     o    A base salary of $325,000 annually.
     o    Eligibility  for  participation  in the Short Term  Incentive  Program
          (STIP)  subject to all terms of the plan with a 2006  target of 40% of
          base salary,  contingent upon achieving Balanced Scorecard  objectives
          for UMBFC.


<PAGE>


     o    Eligibility  for  participation  in the Long  Term  Incentive  Program
          (LTIP) with a 2006 grant  target of 50% of base  salary.
     o    A one-time  Restricted  Stock grant of 6,000  shares of UMB stock with
          the following  schedule for removal of restrictions  (contingent  upon
          continued employment):

          First  anniversary of grant (2007) - 2,000 shares
          Second  anniversary of grant (2008) - 2,000 shares
          Third  anniversary  of grant (2009) - 2,000 shares

     o    Eligibility  for  company  sponsored  health,   retirement,  and  paid
          time-off  benefit  plans  as  outlined  in  the  enclosed  summary  of
          benefits.
     o    Change in control protection of one times salary during the first full
          year of  employment,  one half times salary  during the second year of
          employment;  change  in  control  subsequent  to  two  full  years  of
          employment  is not  covered.
     o    We will be happy to assume all your current and future NASD  licensing
          requirements.

We hope to be able to welcome you to UMB in the near future.

Sincerely,



/s/ Peter J. deSilva



This offer is contingent upon  successful  completion of a  pre-employment  drug
screen and a credit check, as well as a post-employment FBI background check.

As an employer,  we are required to request  information from all new associates
to comply with the  Immigration  Reform and Control Act of 1986.  Therefore,  on
your first day you will need to provide  documentation  to verify your  identity
and work authorization.

No provision of this letter  represents  an  employment  contract in whole or in
part,  for any  duration,  between you and UMB or any of its  subsidiaries.  All
employment of UMB associates,  including yours,  constitutes  employment at will
and is terminable at any time either by you or UMB Bank.

I have read and accept the terms and conditions of this job offer.


/s/ Clyde F. Wendel               Date     June 8, 2006





Cc:   Mariner Kemper
      Larry Smith
      Dennis Rilinger
</TEXT>
</DOCUMENT>
