EXHIBIT 23 TO FORM 10-K
 
                           UMB FINANCIAL CORPORATION
                         INDEPENDENT AUDITOR'S CONSENT
 
  We consent to the incorporation by reference in the Registration Statement
No. 33-58312 on Form S-8 of UMB Financial Corporation and Subsidiaries of our
report dated January 21, 1999, included in this Annual Report on Form 10-K of
UMB Financial Corporation and Subsidiaries for the year ended December 31,
1998.
 
/s/ DELOITTE & TOUCHE LLP
 
Kansas City, Missouri
March 29, 1999