UMB FINANCIAL CORP
8-K, 2000-05-03
NATIONAL COMMERCIAL BANKS
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May 3, 2000

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.

The Board of Directors of UMB Financial  Corporation has authorized the purchase
of one million shares of the Company's  common stock. The  authorization  allows
for the purchase of approximately 5 percent of the Company's common stock during
the next 12 months.

Shares purchased under this program will be used for general corporate  purposes
and may be available  for  re-issuance  in connection  with the Company's  stock
option plan, dividend reinvestment plan and stock dividend program. The purchase
will be made in both open market and privately negotiated transactions.

This filing is being effected by direct  transmission to the Commission's  Edgar
System.

Yours truly,

Timothy M. Connealy
Chief Financial Officer




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