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GARNER JOINS COMMERCE BANK AS WEBB CITY BRANCH MANAGER

Joplin, MO - December 23, 2004 - Fred Osborn, president, Commerce Bank, Mo-Kan region, recently announced that Lorie Garner has joined Commerce Bank as assistant vice president and branch manager of its Webb City Banking Center, 1311 S. Madison. Her responsibilities include business development and customer service related to the bank's full line of consumer and small business banking, credit and lending products.

Garner comes to Commerce with eight years of experience in business and consumer banking, including most recently serving as branch manager for a regional bank in Carthage. Garner is an active volunteer with Commerce Bank's Business Partners In Education program and United Way Charitable Giving Fund.

About Commerce Bank
Commerce Bank is the principal subsidiary of Commerce Bancshares, Inc. (NASDAQ: CBSH), a $14.1 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
President, Commerce Bank, Joplin
417 626-4000

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

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