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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=5>UNITED STATES </FONT></H1>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=5>SECURITIES AND
EXCHANGE COMMISSION </FONT></H1>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=5>Washington, D.C. 20549 </FONT></H1>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=5>FORM 8-K </FONT></H1>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Current Report
Pursuant to Section 13 or 15(d) of </FONT></H1>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The Securities Exchange
Act of 1934 </FONT></H1>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Date of Report (Date
of earliest event reported): April 27, 2005 </FONT></H1>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=5>MAF BANCORP, INC. </FONT></H1>

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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(Exact name of
registrant as specified in its charter) </FONT></P>

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     <P ALIGN=CENTER>_________________ </P>













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     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="34%" ALIGN="Center"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Delaware
</FONT></TD>
     <TD WIDTH="33%" ALIGN="Center"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">0-18121
</FONT></TD>
     <TD WIDTH="33%" ALIGN="Center"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;36-3664868
</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD ALIGN="Center"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">(State or other jurisdiction of <BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Incorporation)
</FONT></TD>
     <TD ALIGN="Center"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">(Commission File Number)
</FONT></TD>
     <TD ALIGN="Center"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">(I.R.S. Employer Identification No.)
</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD ALIGN="Center"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">55th Street &amp; Holmes Avenue<BR>
&nbsp;Clarendon Hills, Illinois
</FONT></TD>
     <TD ALIGN="Center"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD ALIGN="Center"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;&nbsp;60514<BR>
(Zip Code)
</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD ALIGN="Center"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">(Address of principal executive<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;offices)
</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD></TR>
</TABLE>





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<P ALIGN="Center"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Registrant&#146;s
telephone number, including area code <B>(630) 325-7300</B> </FONT></P>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Not Applicable </FONT></H1>

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<P ALIGN="Center"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Former
name or former address, if changed since last year) </FONT></P>

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<P ALIGN="Center"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Check
the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the
filing obligation of the registrant under any of the following provisions: </FONT></P>

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<P ALIGN="Left"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#141;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Written
communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) </FONT></P>

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<P ALIGN="Left"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#141;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Soliciting
material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) </FONT></P>


<P ALIGN="Left"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#141;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pre-commencement
communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) </FONT></P>


<P ALIGN="Left"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#141;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pre-commencement communications
pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) </FONT></P>






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<H1 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Item 1.01. &nbsp;&nbsp;&nbsp;&nbsp;Entry into a
Material Definitive Agreement. </FONT></H1>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;See
Item&nbsp;5.02(c) for a description of the special terminiation agreement between Mid&nbsp;America
Bank, fsb, a wholly-owned subsidiary of MAF Bancorp, Inc. (the &#147;Company&#148;), and
the newly appointed executive officer named below, which information is incorporated
herein by reference. </FONT></P>

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<H1 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Item 5.02(c).
    &nbsp;&nbsp;&nbsp;&nbsp;Departure of Directors or Principal Officers; Election of Directors; Appointment of
Principal                   Officers. </FONT></H1>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On
April 27, 2005, the Board of Directors of the Company appointed Edward A. Karasek, age 51,
as an executive officer of the Company and he was named to the additional position of Senior Vice President&#151;Internal Audit and Compliance of the Company. He joined Mid America Bank in December 2003
and has been serving as Senior Vice President&#151;Internal Audit and Compliance, of Mid&nbsp;America Bank, fsb.
Prior to joining the Bank, Mr. Karasek was employed as a consultant providing internal audit consulting
services to financial service organizations, and he was Senior Vice
President &#151; Corporate Audit Director for Bank One Corporation from 1998 to 2001. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mid
America Bank entered into a three-year special termination agreement with Mr. Karasek
effective on January 1, 2004. Prior to each anniversary date, the Board of Directors of
the Bank may extend the agreement so that the remaining term shall be approximately three
years. The Board extended the agreement in December 2004, and the current term of the
agreement expires on December&nbsp;31, 2007. The agreement provides that at any time
following a change in control (as defined in the agreement) of the Bank or MAF Bancorp, if
the Bank were to terminate Mr. Karasek&#146;s employment for any reason other than
&#147;cause,&#148; as defined in the agreement, or if he were to elect to terminate his
own employment following his demotion, loss of title, office or significant authority, a
reduction in his compensation, or relocation of his principal place of employment, he
would be entitled to receive a termination payment in an amount equal to his salary and
annual cash bonus payments for the preceding year. The Bank would also continue Mr.
Karasek&#146;s life, health and disability coverage for twelve months or, if earlier,
until he is employed by another employer. The continued life, health and disability
benefits provided under the agreement would apply to Mr. Karasek and to any of his
dependents covered under the Bank&#146;s life, health and disability plans prior to the
change in control. </FONT></P>

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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2</FONT></P>
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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>SIGNATURE </FONT></H1>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant
to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused
this report to be signed on its behalf by the undersigned hereunto duly authorized. </FONT></P>






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<TR VALIGN=TOP>
<TD WIDTH=40%><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD>
<TD WIDTH=10%><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD>
<TD WIDTH=50%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>MAF BANCORP, INC.</B><BR><BR>
<BR>BY: /s/ Jerry A. Weberling<BR>&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;<BR>
Jerry A. Weberling<BR>Executive Vice President and<BR>Chief Financial Officer</FONT></TD>
</TR>
</TABLE>
<BR>




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<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Date: April 27, 2005 </FONT></P>


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{"company-data": {"conformed-name": "MAF BANCORP INC", "cik": "0000854662", "assigned-sic": "6035", "irs-number": "363664868", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-18121", "film-number": "05789033"}, "business-address": {"street1": "55TH ST & HOLMES AVE", "city": "CLARENDON HILLS", "state": "IL", "zip": "60514", "phone": "6303257300"}, "mail-address": {"street1": "55TH STREET & HOLMES AVENUE", "city": "CLARENDON HILLS", "state": "IL", "zip": "60514"}}
UNITED STATES
SECURITIES AND
EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
Current Report
Pursuant to Section 13 or 15(d) of
The Securities Exchange
Act of 1934
Date of Report (Date
of earliest event reported): April 27, 2005
MAF BANCORP, INC.
(Exact name of
registrant as specified in its charter)
_________________
Delaware
0-18121
36-3664868
(State or other jurisdiction of
Incorporation)
(Commission File Number)
(I.R.S. Employer Identification No.)
55th Street & Holmes Avenue
Clarendon Hills, Illinois
60514
(Zip Code)
(Address of principal executive
offices)
Registrant's
telephone number, including area code
(630) 325-7300
Not Applicable
(Former
name or former address, if changed since last year)
Check
the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the
filing obligation of the registrant under any of the following provisions:
        Written
communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
        Soliciting
material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
        Pre-commencement
communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
        Pre-commencement communications
pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Item 1.01.     Entry into a
Material Definitive Agreement.
See
Item 5.02(c) for a description of the special terminiation agreement between Mid America
Bank, fsb, a wholly-owned subsidiary of MAF Bancorp, Inc. (the "Company"), and
the newly appointed executive officer named below, which information is incorporated
herein by reference.
Item 5.02(c).
        Departure of Directors or Principal Officers; Election of Directors; Appointment of
Principal                   Officers.
On
April 27, 2005, the Board of Directors of the Company appointed Edward A. Karasek, age 51,
as an executive officer of the Company and he was named to the additional position of Senior Vice President—Internal Audit and Compliance of the Company. He joined Mid America Bank in December 2003
and has been serving as Senior Vice President—Internal Audit and Compliance, of Mid America Bank, fsb.
Prior to joining the Bank, Mr. Karasek was employed as a consultant providing internal audit consulting
services to financial service organizations, and he was Senior Vice
President — Corporate Audit Director for Bank One Corporation from 1998 to 2001.
Mid
America Bank entered into a three-year special termination agreement with Mr. Karasek
effective on January 1, 2004. Prior to each anniversary date, the Board of Directors of
the Bank may extend the agreement so that the remaining term shall be approximately three
years. The Board extended the agreement in December 2004, and the current term of the
agreement expires on December 31, 2007. The agreement provides that at any time
following a change in control (as defined in the agreement) of the Bank or MAF Bancorp, if
the Bank were to terminate Mr. Karasek's employment for any reason other than
"cause," as defined in the agreement, or if he were to elect to terminate his
own employment following his demotion, loss of title, office or significant authority, a
reduction in his compensation, or relocation of his principal place of employment, he
would be entitled to receive a termination payment in an amount equal to his salary and
annual cash bonus payments for the preceding year. The Bank would also continue Mr.
Karasek's life, health and disability coverage for twelve months or, if earlier,
until he is employed by another employer. The continued life, health and disability
benefits provided under the agreement would apply to Mr. Karasek and to any of his
dependents covered under the Bank's life, health and disability plans prior to the
change in control.
2
SIGNATURE
Pursuant
to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused
this report to be signed on its behalf by the undersigned hereunto duly authorized.
MAF BANCORP, INC.
BY: /s/ Jerry A. Weberling
——————————————
Jerry A. Weberling
Executive Vice President and
Chief Financial Officer
Date: April 27, 2005
3