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                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                  SCHEDULE 13G

                    Under the Securities Exchange Act of 1934

                       KANSAS CITY POWER AND LIGHT COMPANY

                                (Name of Issuer)

                           Common Stock, No Par Value

                         (Title of Class of Securities)

                                   485 1341 00
                                 (CUSIP Number)

                                                          Page 1 of 13 Pages




CUSIP NO. 485 1341 00        SCHEDULE 13G                 Page 2 of 13 Pages

1.       Name of Reporting Person

         S.S. or I.R.S. Identification No. of above person:

         UMB BANK, n.a. ("UMB")

2.       Check the Appropriate box if a member of a group          (a)  [   ]
                                                                   (b)  [ X ]

3.       SEC Use Only

4.       Citizenship or Place of Organization:  United States

         Number of Shares Beneficially owned by UMB With:

5.       Sole Voting Power: 109,677. UMB disclaims beneficial ownership of these
         shares.

6.       Shared Voting Power:  3,191,339.  UMB disclaims  beneficial  ownership
         of these shares which include  3,132,147 shares held as trustee of the
         Kansas City Power and Light Company CODA ESP 401(k) Plan (401(k) Plan).

7.       Sole Dispositive Power:  109,677.  UMB disclaims beneficial ownership
         of these shares.

8.       Shared Dispositive Power: 3,191,339. UMB disclaims beneficial ownership
         of these shares,  which include 3,132,147 shares held as trustee of the
         401(k) Plan.

9.       Aggregate Amount  Beneficially Owned by UMB:  3,301,016.  UMB disclaims
         beneficial  ownership of these shares,  which include 3,132,147 shares
         held by the trustees of the 401(k) Plan.

10.      Check Box if the Aggregate  Amount in Row (9) excludes  Certain Shares:
         [X] Such amount excludes  1,647,886 shares of the Issuer's Common Stock
         held  in  custody  accounts  by UMB for  which  UMB  has no  voting  or
         dispositive power.

11.      Percent of Class Represented by Amount in Row 9:  5.3%

12.      Type of Reporting Person:  BK



CUSIP NO. 485 1341 00        SCHEDULE 13G                 Page 3 of 13 Pages

1.       Name of Reporting Person

         S.S. or I.R.S. Identification No. of above person:

         UMB FINANCIAL CORPORATION ("UMBFC")

2.       Check the Appropriate box if a member of a group          (a)  [   ]
                                                                   (b)  [ X ]

3.       SEC Use Only

4.       Citizenship or Place of Organization:  Missouri

         Number of Shares Beneficially owned by UMBFC With:

5.       Sole Voting Power:  -0-

6.       Shared Voting Power:  -0-

7.       Sole Dispositive Power:  -0-

8.       Shared Dispositive Power:  -0-

9.       Aggregate Amount Beneficially Owned by UMBFC:  -0-

10.      Check Box if the Aggregate  Amount in Row (9) excludes  Certain shares:
         [X] Such amount excludes  4,948,902 shares of the Issuer's Common Stock
         held by UMB in various  capacities  as to which  UMBFC has no voting or
         dispositive power.

11.      Percent of Class Represented by Amount in Row 9:  0%

12.      Type of Reporting Person:  HC



CUSIP NO. 485 1341 00        SCHEDULE 13G                 Page 4 of 13 Pages

1.       Name of Reporting Person

         S.S. or I.R.S. Identification No. of above person:

         Kansas City Power and Light Company CODA ESP 401(k) Plan (401(k) Plan)

2.       Check the Appropriate box if a member of a group          (a)  [   ]
                                                                   (b)  [ X ]

3.       SEC Use Only

4.       Citizenship or Place of Organization:  Missouri

         Number of Shares Beneficially owned by the 401(k) Plan With:

5.       Sole Voting Power:  -0-

6.       Shared  Voting Power:  3,132,147. Beneficial ownership is disclaimed as
         to all of these shares,  which are held on behalf of the 401(k) Plan.

7.       Sole Dispositive Power:  -0-

8.       Shared Dispositive Power: 3,132,147. Beneficial ownership is disclaimed
         as to all of these  shares,  which are held on behalf of the 401(k)
         Plan.

9.       Aggregate  Amount  Beneficially  Owned by the 401(k) Plan:  3,132,147.
         Beneficial ownership is  disclaimed  as to all shares which are held on
         behalf of the 401(k) Plan and have been allocated to the accounts of
         participants.

10.      Check Box if the Aggregate Amount in Row (9) excludes Certain Shares:
         [   ]

11.      Percent of Class Represented by Amount in Row 9:  5.06%

12.      Type of Reporting Person:  EP



CUSIP NO. 485 1341 00                                     Page 5 of 13 Pages

                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                  SCHEDULE 13G

                    Under the Securities Exchange Act of 1934

Item 1(a)     Name of Issuer:

         Kansas City Power and Light Company, a Missouri corporation.

Item 1(b)     Address of Issuer's Principal Executive Offices:

         1201 Walnut Street, Kansas City, Missouri 64106.

Item 2(a)     Names of Persons Filing:

              (i)     UMB Bank, n.a. ("UMB")

              (ii)    UMB Financial Corporation ("UMBFC")

              (iii)   Kansas City Power and Light Company CODA ESP 401(k) Plan
                      (401(k) Plan).

Item 2(b) Address of Principal Business or, if none, Residence:

         Both UMB and UMBFC maintain their principal  executive  offices at, and
         the address for the 401(k) Plan is, 1010 Grand Boulevard,  Kansas City,
         Missouri 64106

Item 2(c)     Citizenship:

         UMBFC  is a  corporation  organized  under  the  laws of the  State  of
         Missouri, UMB is a national banking association chartered by the United
         States  and the  401(k)  Plan  is a trust  organized  in the  State  of
         Missouri.

Item 2(d)     Title of Class of Securities:  common stock, no par value (the
         "Common Stock").



CUSIP NO. 485 1341 00        SCHEDULE 13G                 Page 6 of 13 Pages

Item 2(e)     CUSIP Number:  485 5281 03

Item     3 If this statement is filed pursuant to Rules  13d-1(b),  or 13d-2(b),
         check whether the person filing is a:

         (a)    [  ]  Broker or Dealer under Section 15 of the Act.

         (b)    [X] Bank as defined in section 3(a)(6) of the Act (UMB).

         (c)    [  ] Insurance Company as defined in section 3(a)(19)of the Act.

         (d)    [  ] Investment Company registered under section 8 of the
                Investment Company Act.

         (e)    [ ]  Investment  Adviser  registered  under  section  203 of the
                Investment Advisers Act of 1940.

         (f)    [X] Employee Benefit Plan,  Pension Fund which is subject to the
                provisions  of the Employee  Retirement  Income  Security Act of
                1974 or Endowment Fund; see Section 240.13d-1(b)(1)(ii)(F).

         (g)    [X]  Parent Holding Company, in accordance with
                Section 240.13d-1(b)(ii)(G) (Note:  See Item 7).

         (h)    [   ] Group, in accordance with Section 240.13d-1(b)(1)(ii) (H).

     The 401(k)  Plan may be deemed to  beneficially  own in excess of 5% of the
Issuer's  Common  Stock and is filing this  statement  as a result  thereof.  As
trustee of the 401(k) Plan, UMB may have certain  dispositive  and voting powers
over such shares and is filing this  schedule as a result of having such powers.
UMBFC  owns 100  percent  of the  outstanding  stock of UMB and is  filing  this
schedule solely as a result of such stock ownership.



CUSIP NO. 485 1341 00        SCHEDULE 13G                 Page 7 of 13 Pages

Item 4.  Ownership:

KCPL CODA ESP  401(k)  may be  deemed  to  beneficially  own  certain  shares of
Issuer's  Common  Stock held by KCPL CODA ESP  401(k).  UMB serves as trustee of
KCPL CODA ESP 401(k).

With  respect to shares of KCPL Common  Stock  purchased  from  employee  salary
deferrals or qualified rollovers:  KCPL participants exercise voting and certain
dispositive powers over KCPL shares allocated to their accounts in the KCPL CODA
ESP 401(k) Plan.

Under the Plan,  the  participants  have the right to direct  the voting of such
shares and the  tendering  of such shares in response to a tender offer or other
purchase offer. To the extent that participants do not give voting  instructions
to UMB, as trustee of the Plan,  such shares of the  Issuer's  Common  Stock are
voted  in  accordance  with  guidelines  established  by the  UMB  Trust  Policy
Committee.

The shares of the Issuer's  Common Stock held by the Plan that are  allocated to
the  participants'  accounts  are  disposed of in  response  to a tender  offer,
exchange offer, or other offer to purchase at the direction of the participants.
If disposition  instructions  with respect to such an offer are not given by the
participants  to UMB,  as  trustee,  it will  dispose of all shares for which no
instructions  are received in response to a tender or other offer in  accordance
with guidelines established by the UMB Trust Policy Committee.

All shares of Issuer's  Common Stock held by KCPL CODA ESP 401(k) are  allocated
to the accounts of the  participants  in the plan, and  beneficial  ownership is
disclaimed as to those shares.

With  respect to shares of KCPL  Common  Stock  purchased  from  employer  match
contributions:  All such shares are  allocated to the accounts of  participants.
The KCPL CODA ESP 401(k)  Administrative  Committee  retains the right to direct
the voting of such  shares and the  tendering  of such  shares in  response to a
tender offer or other purchase offer. If the Administrative Committee elects not
to exercise  their rights with regard to these  issues,  UMB, as trustee,  shall
direct the voting of such shares and respond to a tender offer,  exchange offer,
or other offer to purchase in accordance with guidelines  established by the UMB
Trust Policy Committee.



CUSIP NO. 485 1341 00        SCHEDULE 13G                 Page 8 of 13 Pages

Therefore,  KCPL CODA ESP 401(k) may be deemed to beneficially own shares of the
Issuer's Common Stock as follows:

(a)      Amount Beneficially Owned:  3,132,910.1901.  Beneficial ownership is
         disclaimed as to all shares that are allocated to the accounts of
         participants from employee salary deferrals:   1,226,114.6941, and
         qualified rollovers:  1,463,797.6567. Beneficial Ownership of employer
         match contributions:  442,997.8393,  under the KCPL CODA ESP 401(k)are
         also disclaimed.

(b)      Percent of Class:  5.06%

(c)      Number of shares as to which KCPL CODA ESP 401(k) has:

(1)      sole power to vote or to direct the vote:  -0-

(2)      shared power to vote or to direct the vote:  3,132,910.1901. Beneficial
         Ownership of these shares is disclaimed.

(3)      sole power to dispose or to direct the disposition of:  -0-

(4)      shared power to dispose or to direct the disposition of: 3,132,910.1901
         Beneficial ownership of these shares is disclaimed

UMB may be deemed to  beneficially  own certain shares of Issuer's Common Stock,
including  the shares  held by KCPL CODA ESP  401(k) and shares of Common  Stock
held in other  capacities.  As  trustee,  UMB may be  deemed  to have  voting or
dispositive  power over the shares of Common Stock held by KCPL CODA ESP 401(k),
even though UMB disclaims beneficial ownership over such shares. With respect to
the shares of Common Stock held in other  capacities,  UMB may also be deemed to
have  either  sole or shared  voting  power  over  certain of such  shares,  but
disclaims  beneficial  ownership  over such  shares.  UMB  disclaims  beneficial
ownership  over and has not  included in the  Schedule 13G any and all shares of
the Issuer's Common Stock held in custodial and other  capacities over which UMB
has no voting or dispositive power (either by itself or with others).

Therefore,  UMB may be deemed to beneficially  own shares of the Issuer's Common
Stock as follows:



CUSIP NO. 485 1341 00        SCHEDULE 13G                 Page 9 of 13 Pages

(a)     Amount Beneficially Owned: 3,301,016. Beneficial ownership is disclaimed
         as to these shares, 3,132,147 of which are held on behalf of the
         KCPL CODA ESP 401(k). Such amount excludes 1,647,886 shares of Issuer's
         common Stock held in custody accounts by UMB for which UMB has no
         voting or dispositive power.

(b)      Percent of Class:  5.3%.

(c)      Number of shares as to which such person has:

         (i)    sole power to vote or to direct the vote:109,677 shares.  UMB
                disclaims beneficial ownership of these shares.

         (ii)   shared power to vote or to direct the vote:  3,191,339  shares.
                UMB  disclaims  beneficial  ownership of  these  shares which
                includes 3,132,147 shares held by the trustees of the 401(k)
                Plan.

         (iii)  sole power to dispose or to direct the  disposition: 109,677
                shares.  UMB disclaims  beneficial  ownership of these shares.

         (iv)   shared power to dispose or to direct the disposition: 3,191,339
                shares.  UMB disclaims  beneficial  ownership of these shares
                which includes 3,132,147 shares held by the trustees of the
                401(k) Plan.

          UMBFC does not own of record any shares of the  Issuer's  Common Stock
          and  does not  exercise  or  direct  the  exercise  of any  voting  or
          dispositive  power  over  the  shares  of the  Issuer's  Common  Stock
          reported  herein and is precluded by applicable law from directing the
          exercise of such power over said shares of the  Issuer's  Common Stock
          held by UMB.

Item 5   Ownership of Five Percent or Less of a Class.

         Not Applicable.

Item 6 Ownership of More than Five Percent on Behalf of Another Person.

         Not Applicable.



CUSIP NO. 485 1341 00        SCHEDULE 13G                 Page 10 of 13 Pages


Item     7 Identification  and  Classification  of the Subsidiary which Acquired
         the Security Being Reported on by the Parent Holding Company.

         Information  as to UMB,  which is jointly  filing this  statement  with
         UMBFC, is presented above.

Item 8 Identification and Classification of Members of the Group.

         Not Applicable.

Item 9   Notice of Dissolution of Group.

         Not Applicable.

Item 10  Certification.

         See below.



CUSIP NO. 485 1341 00        SCHEDULE 13G                 Page 11 of 13 Pages

                                                                       Signature

     By signing  below I certify  that,  to the best of my knowledge and belief,
the  securities  referred  to above  were  acquired  in the  ordinary  course of
business  and were not acquired for the purpose of and do not have the effect of
changing or  influencing  the control of the issuer of such  securities and were
not acquired in connection  with or as a participant in any  transaction  having
such purposes or effect.

     After  reasonable  inquiry and to the best of my  knowledge  and belief,  I
certify that the information  set forth in this statement is true,  complete and
correct.

                                            UMB Bank, n.a.

Dated:  June 1, 2000                        By _________________________
                                            David D. Miller,
                                            Executive Vice President
                                            and Corporate Secretary

                                            UMB Financial Corporation

Dated:  June 1, 2000                        By_________________________
                                            David D. Miller,
                                            Executive Vice President
                                            and Corporate Secretary

                                            Kansas City Power and Light Company
                                            CODA ESP 401(k) Plan

                                            By:  UMB Bank, n.a., Trustee

Dated:  June 1, 2000                        By_________________________
                                            David D. Miller,
                                            Executive Vice President
                                            and Corporate Secretary



CUSIP NO. 485 1341 00        SCHEDULE 13G                 Page 12 of 13 Pages

EXHIBIT INDEX

Exhibit                        Document                        Page No.

A.                               Joint Filing Agreement



CUSIP NO. 485 1341 00        SCHEDULE 13G                 Page 13 of 13 Pages


                                                                       EXHIBIT A

                                                        JOINT FILING AGREEMENT


     In accordance with Rule 13d-1(f) under the Securities Exchange Act of 1934,
as amended,  the persons named below agree to the joint filing on behalf of each
of them of the Schedule  13G to which this  Exhibit is attached  with respect to
the  Common  Stock,  no par value,  of Casey's  General  Stores,  Inc.,  an Iowa
corporation,  and consent to this Joint Filing  Agreement  being  included as an
Exhibit to such filing. In evidence thereof the undersigned  hereby execute this
Agreement this first day of June, 2000.

                                            UMB Bank, n.a.

Dated:  June 1, 2000                        By_________________________
                                            David D. Miller,
                                            Executive Vice President
                                            and Corporate Secretary

                                            UMB Financial Corporation

Dated:  June 1, 2000                        By_________________________
                                            David D. Miller,
                                            Executive Vice President
                                            and Corporate Secretary

                                            Kansas City Power and Light Company
                                            CODA ESP 401(k) Plan

                                            By:  UMB Bank, n.a., Trustee

Dated:  June 1, 2000                        By_________________________
                                            David D. Miller,
                                            Executive Vice President
                                            and Corporate Secretary