<?xml version="1.0"?>
<ownershipDocument>
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	<periodOfReport>2003-10-22</periodOfReport>
	<notSubjectToSection16>0</notSubjectToSection16>
    <issuer>
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        <issuerName>UMB FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>UMBF</issuerTradingSymbol>
	</issuer>
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            <rptOwnerName>KEMPER R CROSBY JR</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
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            <rptOwnerStreet2>P. O. BOX 419226</rptOwnerStreet2>
            <rptOwnerCity>KANSAS CITY</rptOwnerCity>
            <rptOwnerState>MO</rptOwnerState>
            <rptOwnerZipCode>641416226</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
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			<isOfficer>1</isOfficer>
			<isTenPercentOwner>1</isTenPercentOwner>
			<isOther>0</isOther>
			<officerTitle>Sr. Chairman</officerTitle>
		</reportingOwnerRelationship>
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				<directOrIndirectOwnership>
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		<nonDerivativeTransaction>
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				<transactionShares>
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				<transactionPricePerShare>
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				<sharesOwnedFollowingTransaction>
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					<value/>
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		<nonDerivativeTransaction>
			<securityTitle>
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				<transactionFormType>4</transactionFormType>
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			<transactionAmounts>
				<transactionShares>
					<value>100</value>
				</transactionShares>
				<transactionPricePerShare>
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				</transactionPricePerShare>
				<transactionAcquiredDisposedCode>
					<value>D</value>
				</transactionAcquiredDisposedCode>
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			<postTransactionAmounts>
				<sharesOwnedFollowingTransaction>
					<value>1777446.00</value>
				</sharesOwnedFollowingTransaction>
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				<directOrIndirectOwnership>
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					<value/>
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		<nonDerivativeTransaction>
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				<transactionFormType>4</transactionFormType>
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				<transactionShares>
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				<sharesOwnedFollowingTransaction>
					<value>1777346.00</value>
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				<directOrIndirectOwnership>
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				<transactionPricePerShare>
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					<value/>
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				<transactionFormType>4</transactionFormType>
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					<value/>
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				<transactionPricePerShare>
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				<transactionShares>
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				<transactionPricePerShare>
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				<sharesOwnedFollowingTransaction>
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				<directOrIndirectOwnership>
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				<transactionShares>
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				<transactionPricePerShare>
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				<transactionAcquiredDisposedCode>
					<value>D</value>
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				<sharesOwnedFollowingTransaction>
					<value>1773746.00</value>
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				<directOrIndirectOwnership>
					<value>D</value>
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					<value/>
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		<nonDerivativeHolding>
			<securityTitle>
				<value>Common Stock</value>
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			<postTransactionAmounts>
				<sharesOwnedFollowingTransaction>
					<value>4013.11</value>
				</sharesOwnedFollowingTransaction>
			</postTransactionAmounts>
			<ownershipNature>
				<directOrIndirectOwnership>
					<value>I</value>
				</directOrIndirectOwnership>
				<natureOfOwnership>
					<value>By ESOP</value>
				</natureOfOwnership>
			</ownershipNature>
		</nonDerivativeHolding>
		<nonDerivativeHolding>
			<securityTitle>
				<value>Common Stock</value>
			</securityTitle>
			<postTransactionAmounts>
				<sharesOwnedFollowingTransaction>
					<value>154645.00</value>
				</sharesOwnedFollowingTransaction>
			</postTransactionAmounts>
			<ownershipNature>
				<directOrIndirectOwnership>
					<value>I</value>
				</directOrIndirectOwnership>
				<natureOfOwnership>
					<value>By Kemper Realty, Inc.</value>
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		</nonDerivativeHolding>
		<nonDerivativeHolding>
			<securityTitle>
				<value>Common Stock</value>
			</securityTitle>
			<postTransactionAmounts>
				<sharesOwnedFollowingTransaction>
					<value>208080.00</value>
				</sharesOwnedFollowingTransaction>
			</postTransactionAmounts>
			<ownershipNature>
				<directOrIndirectOwnership>
					<value>I</value>
				</directOrIndirectOwnership>
				<natureOfOwnership>
					<value>By Pioneer Service Corporation</value>
				</natureOfOwnership>
			</ownershipNature>
		</nonDerivativeHolding>
		<nonDerivativeHolding>
			<securityTitle>
				<value>Common Stock</value>
			</securityTitle>
			<postTransactionAmounts>
				<sharesOwnedFollowingTransaction>
					<value>12029.00</value>
				</sharesOwnedFollowingTransaction>
			</postTransactionAmounts>
			<ownershipNature>
				<directOrIndirectOwnership>
					<value>I</value>
				</directOrIndirectOwnership>
				<natureOfOwnership>
					<value>By Spouse</value>
				</natureOfOwnership>
			</ownershipNature>
		</nonDerivativeHolding>
		<nonDerivativeHolding>
			<securityTitle>
				<value>Common Stock</value>
			</securityTitle>
			<postTransactionAmounts>
				<sharesOwnedFollowingTransaction>
					<value>92150.00</value>
				</sharesOwnedFollowingTransaction>
			</postTransactionAmounts>
			<ownershipNature>
				<directOrIndirectOwnership>
					<value>I</value>
				</directOrIndirectOwnership>
				<natureOfOwnership>
					<value>By Stagecoach Inc.</value>
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		<nonDerivativeHolding>
			<securityTitle>
				<value>Common Stock</value>
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				<sharesOwnedFollowingTransaction>
					<value>329528.00</value>
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			<ownershipNature>
				<directOrIndirectOwnership>
					<value>I</value>
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				<natureOfOwnership>
					<value>By Stagecoach Investment. LP</value>
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	</nonDerivativeTable>
	<footnotes>
	</footnotes>
	<remarks>
	</remarks>
	<ownerSignature>
		<signatureName>By: John C. Pauls, Attorney in Fact</signatureName>
		<signatureDate>2003-10-22</signatureDate>
	</ownerSignature>
</ownershipDocument>
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X0201
4
2003-10-22
0
0000101382
UMB FINANCIAL CORP
UMBF
0001209583
KEMPER R CROSBY JR
1010 GRAND BLVD.
P. O. BOX 419226
KANSAS CITY
MO
641416226
1
1
1
0
Sr. Chairman
Common Stock
2003-10-22
4
S
0
5100
48.50
D
1778646.00
D
Common Stock
2003-10-22
4
S
0
400
48.51
D
1778246.00
D
Common Stock
2003-10-22
4
S
0
400
48.51
D
1777846.00
D
Common Stock
2003-10-22
4
S
0
200
48.52
D
1777646.00
D
Common Stock
2003-10-22
4
S
0
100
48.60
D
1777546.00
D
Common Stock
2003-10-22
4
S
0
100
48.67
D
1777446.00
D
Common Stock
2003-10-22
4
S
0
100
48.65
D
1777346.00
D
Common Stock
2003-10-22
4
S
0
400
48.74
D
1776946.00
D
Common Stock
2003-10-22
4
S
0
200
48.82
D
1776746.00
D
Common Stock
2003-10-22
4
S
0
200
48.86
D
1776546.00
D
Common Stock
2003-10-22
4
S
0
200
48.85
D
1776346.00
D
Common Stock
2003-10-22
4
S
0
200
48.95
D
1776146.00
D
Common Stock
2003-10-22
4
S
0
2400
49.00
D
1773746.00
D
Common Stock
4013.11
I
By ESOP
Common Stock
154645.00
I
By Kemper Realty, Inc.
Common Stock
208080.00
I
By Pioneer Service Corporation
Common Stock
12029.00
I
By Spouse
Common Stock
92150.00
I
By Stagecoach Inc.
Common Stock
329528.00
I
By Stagecoach Investment. LP
By: John C. Pauls, Attorney in Fact
2003-10-22