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 8, 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 8, 2004, announcing that it will be participating in
the Sandler O'Neill & Partners, L.P. Financial Services Conference to be held in
Palm Beach Gardens, Florida on November 10-12, 2004. Allen Koranda, Chairman and
CEO of MAF Bancorp, is scheduled to give a presentation on Thursday, November
11, 2004, at 3:05 p.m. Central Time. A replay of this presentation will be
available for approximately two weeks following the conference.


                                       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 8, 2004


<PAGE>


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

Exhibit
-------

Exhibit 99.1      Press Release dated November 8, 2004.


                                       4
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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": "041126521"}, "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 8, 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 8, 2004, announcing that it will be participating in
the Sandler O'Neill & Partners, L.P. Financial Services Conference to be held in
Palm Beach Gardens, Florida on November 10-12, 2004. Allen Koranda, Chairman and
CEO of MAF Bancorp, is scheduled to give a presentation on Thursday, November
11, 2004, at 3:05 p.m. Central Time. A replay of this presentation will be
available for approximately two weeks following the conference.

                                       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 8, 2004
INDEX TO EXHIBITS
                                -----------------

Exhibit
-------

Exhibit 99.1      Press Release dated November 8, 2004.

                                       4