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<title>Prepared By R.R. Donnelley Financial -- Form 8-K</title>
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<b>UNITED STATES </b></font>
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<b>SECURITIES AND EXCHANGE COMMISSION </b></font></div>

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<b>Washington D.C., 20549 </b></font></div>

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<b>Form 8-K </b></font></div> <div><font Size="1">&nbsp;</font></div>

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<b>Current Report </b></font></div>

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<b>Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 </b></font></div>

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<b>Date Of Report (Date Of Earliest Event Reported):&nbsp;&nbsp;06/28/2004 </b></font></div>

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<b>UMB FINANCIAL CORP </b></font></div>

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<b>(Exact Name of Registrant as Specified in its Charter)</b></font></div>

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<b>Commission File Number:&nbsp;&nbsp;0-4887         </b></font></div>

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<b>(State or Other Jurisdiction of</b></font>
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<div Align="center"><font Face="times New Roman" Size="2" Color="#000000"><b>(I.R.S. Employer</b></font>
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<b>Incorporation or Organization)</b></font>
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<b>Identification No.)</b></font>
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<b>1010 Grand Blvd  </b></font></div>

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<b>Kansas City, MO 64106 </b></font>
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<b>(Address of Principal Executive Offices, Including Zip Code)</b></font>
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<b>(816) 860-7889 </b></font>
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<b>(Registrant&#146;s Telephone Number, Including Area Code) </b></font>
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Items to be Included in this Report</b>
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<b>Item 5.&nbsp;&nbsp;&nbsp;&nbsp;Other events and Regulation FD Disclosure</b></font>
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On June 28, 2004, UMB Financial Corporation (UMBF) issued a press release announcing that Joseph J. Gazzoli would lead the Trust and Wealth Management Division of UMB Bank, n.a. and that William B. Greiner would be rejoining the bank as Chief Investment Officer.  A copy of the press release is attached as Exhibit 99.1.</font>
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<b>Item 7.&nbsp;&nbsp;&nbsp;&nbsp;Financial statements and exhibits</b></font>
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Exhibit 99.1 - Press release dated June 28, 2004.</font>
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<b>Signature(s) </b></font>
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Pursuant to the Requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the Undersigned hereunto
duly authorized. </font>
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	&nbsp;&nbsp;&nbsp;&nbsp;UMB FINANCIAL CORP</font>
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	Date: June 28, 2004.</font>
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	By:</font>
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	/s/&nbsp;&nbsp;&nbsp;&nbsp;Daniel C. Stevens</font>
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	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Daniel C. Stevens</font>
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	<div Style="margin-left:9%"><font Face="times New Roman" Size="2" Color="#000000">Chief Financial Officer</font>
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<b>Exhibit Index </b></font>
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	<b>Exhibit&nbsp;No.</b></font>
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	<b>Description</b></font>
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	EX-99.1</font>
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	Press Release</font>
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Prepared By R.R. Donnelley Financial -- Form 8-K
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington D.C., 20549
Form 8-K
Current Report
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date Of Report (Date Of Earliest Event Reported):  06/28/2004
UMB FINANCIAL CORP
(Exact Name of Registrant as Specified in its Charter)
Commission File Number:  0-4887
MO
43-0903811
(State or Other Jurisdiction of
(I.R.S. Employer
Incorporation or Organization)
Identification No.)
1010 Grand Blvd
Kansas City, MO 64106
(Address of Principal Executive Offices, Including Zip Code)
(816) 860-7889
(Registrant's Telephone Number, Including Area Code)
Items to be Included in this Report
Item 5.    Other events and Regulation FD Disclosure
On June 28, 2004, UMB Financial Corporation (UMBF) issued a press release announcing that Joseph J. Gazzoli would lead the Trust and Wealth Management Division of UMB Bank, n.a. and that William B. Greiner would be rejoining the bank as Chief Investment Officer.  A copy of the press release is attached as Exhibit 99.1.
Item 7.    Financial statements and exhibits
Exhibit 99.1 - Press release dated June 28, 2004.
Signature(s)
Pursuant to the Requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the Undersigned hereunto
duly authorized.
UMB FINANCIAL CORP
Date: June 28, 2004.
By:
/s/    Daniel C. Stevens
Daniel C. Stevens
Chief Financial Officer
Exhibit Index
Exhibit No.
Description
EX-99.1
Press Release