<ARTICLE>                                            9
<LEGEND>
     (Replace this text with the legend)
</LEGEND>
<CIK>                         0000101382
<NAME>                        UMB Financial Corp,
<MULTIPLIER>                                   1000
<CURRENCY>                                     0
       
                             
<PERIOD-TYPE>                   3-mos
<FISCAL-YEAR-END>                              Dec-31-1999
<PERIOD-END>                                   Mar-31-1999
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<PREFERRED>                                    0
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<SECURITIES-GAINS>                             11
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<EXTRAORDINARY>                                0
<CHANGES>                                      0
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