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

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

For the quarterly period ended                             September 30, 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                                (I.R.S. Employer  
of incorporation or organization)                          Identification No.)


       1010 Grand Avenue, Kansas City, Missouri 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 September 30, 1995, UMB Financial Corporation had 18,771,168 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



                                  R. Crosby Kemper
                                  Chairman


                                  Timothy M. Connealy
                                  Chief Financial Officer


Date: November 14, 1995