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                UNITED STATES SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    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): April 11, 2005

                            UMB FINANCIAL CORPORATION
             (Exact name of registrant as specified in its charter)

       Missouri                 0-4887               43-0903811
    (State or other          (Commission          (I.R.S. Employer
    jurisdiction of          File Number)        Identification No.)
    incorporation)

                                1010 Grand Blvd.
                              Kansas City, MO 64106
                (Address of principal executive office)(Zip Code)

                                 (816) 860-7889
              (Registrant's telephone number, including area code)

                                 Not Applicable
          (Former name or former address, if changed since last report)

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 (see General Instruction A.2. below):

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

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

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

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




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Item 8.01  Other Events.

      On  April  11,  2005,  subsidiaries  of  UMB  Financial  Corporation  (the
"Company")  entered into branch  purchase and  assumption  agreements  with four
parties for the disposition of certain deposits, assets and substantially all of
the liabilities at seven Company branches in the cities of Concordia and Glasco,
Kansas; and Albany, Camden Point, Maitland and Mound City, Missouri.

      The  Company's  decision  to sell  these  branch  assets was driven by the
Company's  strategic  plan for growth.  The Company  continuously  evaluates its
branch  locations  and  may  sell  or  acquire  branches  from  time  to time in
accordance with the Company's strategic plan.  Management of the Company remains
committed  to  efficiently  delivering  its core  products  and  services in the
Midwestern region.





                                  Signature(s)

    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


                                    By: /s/ Peter J. deSilva
                                        -------------------------------------
                                        Peter J. deSilva
                                        President and Chief Operating Officer


Date:  April 12, 2005.