EXHIBIT 23 TO FORM 10-K

                         UMB FINANCIAL CORPORATION
                         INDEPENDENT AUDITORS' CONSENT

   We consent to the incorporation by reference in this Registration Statement 
No. 33-58312 of UMB Financial Corporation and subsidiaries on Form S-8 of our 
report dated January 16, 1996, incorporated by reference in the Annual Report 
on Form 10-K of UMB Financial Corporation and subsidiaries for the year ended 
December 31, 1995.

/s/ DELOITTE & TOUCHE LLP

Kansas City, Missouri
March 21, 1996