LIMITED POWER OF ATTORNEY

	KNOW ALL BY THESE PRESENTS, that the undersigned, Sheila Kemper
Dietrich, of 1020 West 65th Street (address), City of Kansas City, County of
Jackson, State of Missouri, hereby constitutes and appoints, Dennis R.
Rilinger and John C. Pauls, each individually, my true and lawful attorney-
in-fact to:

(1) execute for and on behalf of the undersigned, in the undersigneds capacity
as an officer and/or director of UMB Financial Corporation (the Company),
Forms 3, 4 or 5 in accordance with Section 16(a) of the Securities Exchange Act
of 1934 and the rules thereunder; and

(2) do and perform any and all acts for and on behalf of the undersigned which
may be necessary or desirable to complete and execute any such Form 3, 4 or 5
and timely file such form with the United State Securities and Exchange
Commission and any stock exchange or similar authority; and

(3) take any other action of any type whatsoever in connection with the
foregoing which, in the opinion of such attorney-in-fact, may be of benefit to,
in the best interest of, or legally required by, the undersigned, it being
understood that the documents executed by such attorney-in-fact on behalf of
the undersigned pursuant to this Limited Power of Attorney shall be in such
form and shall contain such terms and conditions as such attorney-in-fact may
approve in such attorney-in-facts discretion.

The undersigned hereby grants to such attorney-in-fact full power and
authority to do and perform any and every act and thing whatsoever requisite,
necessary, or proper to be done in the exercise of any of the rights and powers
herein granted, as fully to all intents and purposes as the undersigned might
or could do if personally present, with full power of substitution or
revocation, hereby ratifying and confirming all that such attorney-in-fact,
or such attorney-in-facts substitute or substitutes, shall lawfully do
or cause to be done by virtue of this limited power of attorney and the rights
and powers herein granted.  The undersigned acknowledges that the foregoing
attorney-in-fact, in serving in such capacity at the request of the
undersigned, is not assuming, nor is the Company assuming, any of the
undersigneds responsibilities to comply with Section 16 of the Securities
Exchange Act of 1934.

This Limited Power of Attorney shall remain in full force and effect until the
undersigned is no longer required to file Forms 3, 4 or 5 with respect to the
undersigneds holdings of or transactions in securities issued by the Company,
unless earlier revoked by the undersigned in a signed writing delivered to the
foregoing attorney-in-fact.

IN WITNESS WHEREOF, the undersigned has caused this Limited Power of
Attorney to be executed on the 22nd day of August, 2002.

				/s/ Sheila Kemper Dietrich





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