<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from
Commerce Bancshares, Inc. 3/31/95 Form 10-Q and is qualified in its
entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               MAR-31-1995
<CASH>                                         575,857
<INT-BEARING-DEPOSITS>                               0<F1>
<FED-FUNDS-SOLD>                                47,040
<TRADING-ASSETS>                                 4,040
<INVESTMENTS-HELD-FOR-SALE>                  2,695,326<F2>
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      4,853,610<F3>
<ALLOWANCE>                                     92,055
<TOTAL-ASSETS>                               8,475,101
<DEPOSITS>                                   7,088,240
<SHORT-TERM>                                   499,072
<LIABILITIES-OTHER>                             50,716
<LONG-TERM>                                      6,679
<COMMON>                                       183,222
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     647,172
<TOTAL-LIABILITIES-AND-EQUITY>               8,475,101
<INTEREST-LOAN>                                 99,416
<INTEREST-INVEST>                               41,152<F4>
<INTEREST-OTHER>                                   983
<INTEREST-TOTAL>                               141,596
<INTEREST-DEPOSIT>                              52,803
<INTEREST-EXPENSE>                              58,309
<INTEREST-INCOME-NET>                           83,287
<LOAN-LOSSES>                                    2,833
<SECURITIES-GAINS>                                 186
<EXPENSE-OTHER>                                 71,610
<INCOME-PRETAX>                                 39,432
<INCOME-PRE-EXTRAORDINARY>                      25,023
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    25,023
<EPS-PRIMARY>                                      .72
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    4.61<F5>
<LOANS-NON>                                     11,085
<LOANS-PAST>                                     9,451
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                87,179
<CHARGE-OFFS>                                    4,204
<RECOVERIES>                                     1,510
<ALLOWANCE-CLOSE>                               92,055
<ALLOWANCE-DOMESTIC>                            92,055
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Certificates of deposit of $1,097,000 are included in Investments-Held-
For-Sale.
<F2>Excludes non-marketable investment securities of $20,723,000.
<F3>Gross of allowance for loan losses.
<F4>Excludes interest of $45,000 on trading account securities.
<F5>Yield is computed on a tax equivalent basis.
</FN>