THE PURPOSE OF THIS FILING IS TO SUBMIT THE FINANCIAL DATA SCHEDULE UNDER THE 
CORRECT FORM TYPE.

           UNITED STATES SECURITIES AND EXCHANGE COMMISSION        
                                 WASHINGTON, D.C.  20549

                                   
                       FORM 10-Q AMENDMENT NUMBER ONE


   (Mark One)
 X  QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES 
    EXCHANGE ACT OF 1934


    For the quarterly period ended                    March 31, 1995 

                                            OR

    TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES 
    EXCHANGE ACT OF 1934


    For the transition period from __________ to __________


    Commission file number 0-4887


                            UMB FINANCIAL CORPORATION       
             (Exact name of registrant as specified in its charter)


               Missouri                                            43-0903811
    (State or other jurisdiction of                        (I.R.S. Employer
     incorporation or organization)                       Identification No.)


                     1010 Grand Avenue, Kansas City, MO  64106
               (address of principal executive offices and Zip Code)


                                    (816) 860-7000
               (Registrant's telephone number, including area code)


Indicate by check mark whether the registrant (1) has filed all reports    
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the
registrant was required to file such reports), and (2) has been subject to such
filing requirements for the past 90 days.


                                Yes    X    No                 
                    
At March 31, 1995, UMB Financial Corporation had 18,961,873 shares of common
stock outstanding.  This is the only class of stock of the Company.
    

                         UMB FINANCIAL CORPORATION       
                                FORM 10-Q


                                SIGNATURES


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 CORPORATION              


                                      /s/ R. Crosby Kemper                   
                                      R. Crosby Kemper  
                                      Chairman 



                                      /s/ Timothy M. Connealy                
                                      Timothy M. Connealy
                                      Senior Vice President of Finance

Date: June 26, 1995