- Initial Statement of Beneficial Ownership (3)

FORM 3	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES	OMB APPROVAL OMB Number: 3235-0104 Expires: November 30, 2011 Estimated average burden hours per response... 0.5
	Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940

1. Name and Address of Reporting Person ^*

Anderson Craig L

2. Date of Event Requiring Statement (MM/DD/YYYY) 11/7/2011

3. Issuer Name and Ticker or Trading Symbol

UMB FINANCIAL CORP [UMBF]

(Last) (First) (Middle)

1670 BROADWAY

4. Relationship of Reporting Person(s) to Issuer (Check all applicable)

_____ Director _____ 10% Owner
___ X ___ Officer (give title below) _____ Other (specify below)
President - Commercial Banking /

(Street)

DENVER, CO 80202

(City) (State) (Zip)

5. If Amendment, Date Original Filed (MM/DD/YYYY)

6. Individual or Joint/Group Filing (Check Applicable Line)

_ X _ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1.Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	883.5467	I	by 401(k)
Common Stock	12608.7869	D
Common Stock	3932.6414	I	by ESOP

*Table II - Derivative Securities Beneficially Owned ( e.g.* , puts, calls, warrants, options, convertible securities)**
1. Title of Derivate Security (Instr. 4)	2. Date Exercisable and Expiration Date (MM/DD/YYYY)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
1. Title of Derivate Security (Instr. 4)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	4. Conversion or Exercise Price of Derivative Security		6. Nature of Indirect Beneficial Ownership (Instr. 5)
Stock Option (Right to Buy)	11/20/2007	12/20/2012	Common Stock	1200	$19.055	D
Stock Option (Right to Buy)	11/18/2008	12/18/2013	Common Stock	1600	$24.325	D
Stock Option (Right to Buy)	11/22/2009	12/22/2014	Common Stock	1800	$28.925	D
Stock Option (Right to Buy)	1/1/2008 ⁽¹⁾	1/1/2015	Common Stock	2350	$27.0625	D
Stock Option (Right to Buy)	1/1/2009 ⁽²⁾	1/1/2016	Common Stock	1418	$34.84	D
Stock Option (Right to Buy)	1/1/2010 ⁽³⁾	1/1/2017	Common Stock	2210	$38.84	D
Stock Option (Right to Buy)	1/1/2011 ⁽⁴⁾	1/1/2018	Common Stock	2779	$37.73	D
Stock Option (Right to Buy)	1/1/2012 ⁽⁵⁾	1/1/2019	Common Stock	2416	$41.37	D
Stock Option (Right to Buy)	1/1/2013 ⁽⁶⁾	1/1/2020	Common Stock	3470	$37.84	D
Stock Option (Right to Buy)	1/1/2014 ⁽⁷⁾	1/1/2021	Common Stock	4946	$41.71	D

Explanation of Responses:
( 1)	Options will vest 50% on 1/1/2008; 75% on 1/1/2009; and 100% on 1/1/2010
( 2)	Options will vest 50% on 1/1/2009; 75% on 1/1/2010; and 100% on 1/1/2011
( 3)	Options will vest 50% on 1/1/2010; 75% on 1/1/2011; and 100% on 1/1/2012.
( 4)	Options will vest 50% on 1/1/2011; 75% on 1/1/2012; and 100% on 1/1/1013.
( 5)	Options will vest 50% on 1/1/2012, 75% on 1/1/2013, and 100% on 1/1/2014
( 6)	Options will vest 50% on 1/1/2013; 75% on 1/1/2014; and 100% on 1/1/2015
( 7)	Options will vest 50% on 1/1/2014, 75% on 1/1/2015 and 100% on 1/1/2015

Reporting Owners
Reporting Owner Name / Address	Relationships
Reporting Owner Name / Address	Director	10% Owner	Officer	Other
Anderson Craig L 1670 BROADWAY DENVER, CO 80202			President - Commercial Banking

Signatures
John C. Pauls, Attorney in fact for Mr. Anderson		11/17/2011
^** Signature of Reporting Person		Date

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
*	If the form is filed by more than one reporting person, see Instruction 5(b)(v).
**	Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note:	File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB control number.