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

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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;01/10/2005 </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, Kansas City, MO 64106</b></font></div>


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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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<b> </b></font>
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<b>(Former name or former address, if changed since last report) </b></font>
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<b>Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:<BR><BR>
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<b>[&nbsp;&nbsp;]&nbsp;&nbsp;
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)<BR><BR>

[&nbsp;&nbsp;]&nbsp;&nbsp;
Soliciting material pursuant to Rule 14a-12 under the Exchange Act(17CFR240.14a-12)<BR><BR>


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Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act(17CFR240.14d-2(b))<BR><BR>


[&nbsp;&nbsp;]&nbsp;&nbsp;
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act(17CFR240.13e-4(c))
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Items to be Included in this Report</b>
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<b>Item 1.01.&nbsp;&nbsp;&nbsp;&nbsp;Entry into a Material Definitive Agreement</b></font>
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On January 10, 2004, UMB Financial Corporation (the "Company") entered into an employment offer letter with Bradley J. Smith.  Mr. Smith will be assuming a position as Executive Vice President Consumer Services on or before January 31, 2005.  Under the terms in the letter, Mr. Smith will receive a base salary of $200,000 and will be eligible to participate in any executive incentive programs.  Mr. Smith will also be eligble for all Company sponsored benefit plans.  Mr. Smith will be reimbursed by the Company for relocation expenses.</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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	UMB FINANCIAL CORP</font>
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	Date: January 14, 2005.</font>
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	By:</font>
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	/s/&nbsp;&nbsp;&nbsp;&nbsp;Peter J. deSilva</font>
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	Peter J. deSilva</font>
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	<div><font Face="times New Roman" Size="2" Color="#000000">President and Chief Operating Officer</font>
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{"company-data": {"conformed-name": "UMB FINANCIAL CORP", "cik": "0000101382", "assigned-sic": "6021", "irs-number": "430903811", "state-of-incorporation": "MO", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-04887", "film-number": "05530757"}, "business-address": {"street1": "1010 GRAND AVE", "city": "KANSAS CITY", "state": "MO", "zip": "64106", "phone": "8168607000"}, "mail-address": {"street1": "1010 GRAND AVE", "city": "KANSAS CITY", "state": "MO", "zip": "64106"}, "former-company": [{"former-conformed-name": "UNITED MISSOURI BANCSHARES INC", "date-changed": "19920703"}, {"former-conformed-name": "MISSOURI BANCSHARES INC", "date-changed": "19710915"}]}
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):  01/10/2005
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)
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
[  ]  
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
[  ]  
Soliciting material pursuant to Rule 14a-12 under the Exchange Act(17CFR240.14a-12)
[  ]  
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act(17CFR240.14d-2(b))
[  ]  
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act(17CFR240.13e-4(c))
Items to be Included in this Report
Item 1.01.    Entry into a Material Definitive Agreement
On January 10, 2004, UMB Financial Corporation (the "Company") entered into an employment offer letter with Bradley J. Smith.  Mr. Smith will be assuming a position as Executive Vice President Consumer Services on or before January 31, 2005.  Under the terms in the letter, Mr. Smith will receive a base salary of $200,000 and will be eligible to participate in any executive incentive programs.  Mr. Smith will also be eligble for all Company sponsored benefit plans.  Mr. Smith will be reimbursed by the Company for relocation expenses.
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: January 14, 2005.
By:
/s/    Peter J. deSilva
Peter J. deSilva
President and Chief Operating Officer