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HUSKEY JOINS COMMERCE BANK AS RESIDENTIAL REAL ESTATE LENDER

Joplin, MO - May 4, 2004 - Fred Osborn, chairman, Commerce Bank, MO-KAN Region, recently announced that Richard Huskey has joined Commerce Bank in Joplin as a Residential Real Estate Lender. In his position, he is responsible for business development and customer service related to the Bank's full line of mortgage lending products including fixed rate, adjustable rate, FHA, VA, and jumbo home loan options.

"Richard has a deep understanding of the consumer lending process and will be an invaluable part of the Commerce team," said Osborn. "His joining the Bank also demonstrates our commitment to current and prospective customers and the importance we place on meeting their financial needs."

An experienced lender, Huskey was part owner and operator of a local mortgage lending company prior to joining Commerce. Active in civic and professional organizations, Huskey is past-chair of Joplin Area Chamber of Commerce Ambassadors and Joplin Convention and Visitors Bureau. He is also an associate member of the Joplin Board of Realtors.

About Commerce Bank
Commerce Bank is the principal subsidiary of Commerce Bancshares, Inc. (NASDAQ: CBSH), a $14.5 billion regional bank holding company. For more than 135 years, Commerce has been meeting the financial services needs of individuals and businesses. Commerce provides a diversified line of financial services, including business and personal banking, wealth management and estate planning and investments through its affiliated companies. Commerce currently operates in approximately 330 locations in Missouri, Illinois and Kansas. Commerce also has operating subsidiaries involved in mortgage banking, credit related insurance, venture capital and real estate activities.

For more information contact:
Fred Osborn
Chairman, MO-KAN Region
417-626-4000

Susan Kirkman
Regional Marketing Manager
417-837-5333
Website: www.commercebank.com
e-mail: mymoney@commercebank.com
SYMBOL: CBSH

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