<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from
Commerce Bancshares, Inc. 12/31/99 Form 10-K and is qualified in its
entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1000

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                         685,157
<INT-BEARING-DEPOSITS>                               0<F1>
<FED-FUNDS-SOLD>                               238,602
<TRADING-ASSETS>                                23,639
<INVESTMENTS-HELD-FOR-SALE>                  2,451,785<F2>
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      7,576,892<F3>
<ALLOWANCE>                                    123,042
<TOTAL-ASSETS>                              11,400,936
<DEPOSITS>                                   9,164,123
<SHORT-TERM>                                 1,042,429
<LIABILITIES-OTHER>                             88,817
<LONG-TERM>                                     25,735
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       312,140
<OTHER-SE>                                     767,692
<TOTAL-LIABILITIES-AND-EQUITY>              11,400,936
<INTEREST-LOAN>                                574,738
<INTEREST-INVEST>                              160,746<F4>
<INTEREST-OTHER>                                14,297
<INTEREST-TOTAL>                               750,626
<INTEREST-DEPOSIT>                             256,226
<INTEREST-EXPENSE>                             284,625
<INTEREST-INCOME-NET>                          466,001
<LOAN-LOSSES>                                   35,335
<SECURITIES-GAINS>                                 892
<EXPENSE-OTHER>                                419,015
<INCOME-PRETAX>                                247,860
<INCOME-PRE-EXTRAORDINARY>                     166,213
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   166,213
<EPS-BASIC>                                       2.62<F6>
<EPS-DILUTED>                                     2.59<F6>
<YIELD-ACTUAL>                                    4.61<F5>
<LOANS-NON>                                     12,979
<LOANS-PAST>                                    21,317
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               117,092
<CHARGE-OFFS>                                   40,538
<RECOVERIES>                                    11,153
<ALLOWANCE-CLOSE>                              123,042
<ALLOWANCE-DOMESTIC>                           123,042
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Certificates of deposit of $200,000 are included in Investments-
Held-For-Sale.
<F2>Excludes non-marketable securities of $32,991,000.
<F3>Gross of allowance for loan losses.
<F4>Excludes interest of $845,000 on trading account securities.
<F5>Yield is computed on a tax equivalent basis.
<F6>A 5% stock dividend was distributed on December 17, 1999.
Prior financial data schedules have not been restated.
</FN>