September 15,1998
Securities and Exchange Commission
450 5th Street Northwest
Washington, D.C. 20549-1004
Attention: Filing Desk, Stop 1-4
Dear Sirs:
Pursuant to regulations of the Securities and Exchange Commission, submitted
herewith for filing on behalf of UMB Financial Corporation (the Company), is the
Company's Report on Form 8-K. UMB Financial Corporation will take a one time
pretax charge against third quarter earnings of $10,000,000. This charge is
related to the termination of the Company's Employee Retirement Plan and may be
reduced in future quarters pending final determination of the exact amount of
distributions to the plan participants and other adjustments. This filing is
being effected by direct transmission to the Commission's EDGAR System.
Yours truly,
Timothy M. Connealy
Chief Financial Officer
