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): NOVEMBER 10, 2004



                                MAF BANCORP, INC.
             (Exact name of registrant as specified in its charter)

                          -----------------------------


         DELAWARE                      0-18121                  36-3664868
(State or other jurisdiction    (Commission File Number)     (I.R.S. Employer
     of Incorporation)                                      Identification No.)

55TH STREET & HOLMES AVENUE                                       60514
 CLARENDON HILLS, ILLINOIS                                      (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))


<PAGE>


ITEM 7.01     REGULATION FD DISCLOSURE.
              ------------------------

     Attached as Exhibit 99.1 is a copy of the press release issued by MAF
Bancorp, Inc. on November 10, 2004, announcing that it has adopted a new stock
repurchase program under which it is authorized to repurchase up to 500,000
shares of its common stock. The new shares, which may be repurchased in the open
market or in privately negotiated transactions, represent approximately 1.5% of
MAF Bancorp's 33.5 million outstanding shares. The repurchased shares will be
used in connection with the Company's employee benefit plans and for other
general corporate purposes.

     MAF Bancorp has completed its previous stock repurchase program that was
announced in May 2003, wherein a total of 1.6 million shares were repurchased
over the past 18 months at an average cost of $40.23 per share.

                                       2

<PAGE>


                                    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:  November 10, 2004

                                       3

<PAGE>

                                INDEX TO EXHIBITS
                                -----------------

Exhibit
-------

Exhibit 99.1      Press Release dated November 10, 2004.

                                       4
[{"type": "8-K", "sequence": "1", "filename": "f8k_111004.txt", "description": "FORM 8-K  NOVEMBER 10, 2004", "secsgml_size_bytes": 3723}]
{"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": "041132116"}, "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): NOVEMBER 10, 2004

                                MAF BANCORP, INC.
             (Exact name of registrant as specified in its charter)

                          -----------------------------

         DELAWARE                      0-18121                  36-3664868
(State or other jurisdiction    (Commission File Number)     (I.R.S. Employer
     of Incorporation)                                      Identification No.)

55TH STREET & HOLMES AVENUE                                       60514
 CLARENDON HILLS, ILLINOIS                                      (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 7.01     REGULATION FD DISCLOSURE.
              ------------------------

     Attached as Exhibit 99.1 is a copy of the press release issued by MAF
Bancorp, Inc. on November 10, 2004, announcing that it has adopted a new stock
repurchase program under which it is authorized to repurchase up to 500,000
shares of its common stock. The new shares, which may be repurchased in the open
market or in privately negotiated transactions, represent approximately 1.5% of
MAF Bancorp's 33.5 million outstanding shares. The repurchased shares will be
used in connection with the Company's employee benefit plans and for other
general corporate purposes.

     MAF Bancorp has completed its previous stock repurchase program that was
announced in May 2003, wherein a total of 1.6 million shares were repurchased
over the past 18 months at an average cost of $40.23 per share.

                                       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:  November 10, 2004

                                       3
INDEX TO EXHIBITS
                                -----------------

Exhibit
-------

Exhibit 99.1      Press Release dated November 10, 2004.

                                       4