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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

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Form 8-K

CURRENT REPORT

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

Date of Report (Date of earliest event reported): January 24, 2005

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Commerce Bancshares, Inc.

(816) 234-2000

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

o	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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TABLE OF CONTENTS

	Item 7.01 Regulation FD Disclosure
	Item 9.01 Financial Statements and Exhibits
SIGNATURE
INDEX TO EXHIBITS
Slide Presentation

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Table of Contents

     The information in this Current Report on Form 8-K, including the exhibit, is furnished pursuant to Item 7.01 and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities under that Section. Furthermore, the information in this Current Report on Form 8-K, including the exhibit, shall not be deemed to be incorporated by reference into the filings of Commerce Bancshares, Inc. under the Securities Act of 1933, as amended.

Item 7.01 Regulation FD Disclosure

     As of January 24, 2005, the Company has prepared presentation materials which provide information on some of the major activities and initiatives occurring at the Company. These materials also provide additional information about the Company’s past financial performance with some information regarding the Company’s expectations for results of its net interest margin and other operating areas. These presentation materials are attached as Exhibit 99.1 to this report. They are presented for illustration purposes only and are not official publicly filed documents. No representation is made that the information presented is accurate or complete and the material is not to be used for investment purposes. The material is available on the Company’s web site at www.commercebank.com under the section titled “Investor Relations”.

Item 9.01 Financial Statements and Exhibits

(c) Exhibits.

This exhibit is furnished pursuant to Item 7.01 hereof and should not be deemed to be “filed” under the Securities Exchange Act of 1934.

SIGNATURE

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.

	COMMERCE BANCSHARES, INC.
	By:	/s/ Jeffery D. Aberdeen
		Jeffery D. Aberdeen
		Controller           (Chief Accounting Officer)

Date: January 24, 2005

 

INDEX TO EXHIBITS