X0201 4 2003-12-11 0 0000101382 UMB FINANCIAL CORP UMBF 0001229028 THOMPSON JAMES C JR 1010 GRAND BLVD. P. O. BOX 419226 KANSAS CITY MO 641416226 0 1 0 0 Exec. Vice Pres. - Subsidiary Common Stock 2003-12-11 4 M 0 308 24.26 A 651.00 D Common Stock 2803.04 I By ESOP Common Stock 1152.00 I By IRA Stock Option (right to buy) 24.26 2003-12-11 4 M 0 308 0 D 1995-12-27 2003-12-27 Common Stock 308.00 0.00 D Options vest 40% after 2 years; 60% after 3 years; 80% after 4 years; 100% after 4 years, 11 months By: John C. Pauls, Attorney in Fact 2003-12-11