INDEPENDENT AUDITORS' CONSENT                                Exhibit 23

We consent to the incorporation by reference in the Registration Statement No.
333-102044 of UMB Financial Corporation and Subsidiaries on Form S-8 of our
report dated February 20, 2003, appearing in this Annual Report on Form 10-K of
UMB Financial Corporation and Subsidiaries for the year ended December 31, 2002.

/s/ Deloitte & Touche LLP
-------------------------

Deloitte & Touche LLP

Kansas City, Missouri
March 12, 2003