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): MARCH 22, 2005



                                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 1.01.     ENTRY INTO A MATERIAL DEFINITIVE AGREEMENT.

     See Item 5.02(c) for a description of the amended and restated employment
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 March 22, 2005, the Board of Directors of the Company appointed James
Eckel, age 49, as an executive officer of the Company. He is serving as Senior
Vice President--Marketing of the Company and its subsidiary, Mid America Bank,
fsb. Mr. Eckel, formerly a member of the executive management team of
Milwaukee-based St. Francis Capital Corporation, joined the Company when it
acquired St. Francis in December 2003. Until December 2004, when Mr. Eckel
assumed marketing responsibilities at the Bank, he held the position of Senior
Vice President/Director of Retail Banking of St. Francis Bank, a division of Mid
America Bank. Prior to the Company's acquisition of St. Francis, Mr. Eckel was
serving as Executive Vice President of St. Francis Bank where he served in
various officer positions over a number of years.

     In connection with the acquisition, the Bank entered into a three-year
employment agreement with Mr. Eckel effective December 1, 2003. The agreement
provides for an annual base salary of not less than $157,500, discretionary
bonuses as determined by the compensation committee, vacation benefits
comparable to other executives and participation in employee benefit plans
generally available to employees of the Company and the Bank. As amended and
restated effective March 22, 2005, the agreement also entitles Mr. Eckel to
receive certain salary continuation benefits based on the initial base salary
for the remainder of the three-year employment period in the event his
employment is terminated by the Bank other than for cause (as defined in the
agreements), death or disability, or if Mr. Eckel voluntarily resigns after a
reduction in his base salary below the initial amount, or if the Bank requires
him to relocate his principal office outside the greater Milwaukee metropolitan
area without his consent. The agreement also obligates Mr. Eckel to certain
nondisclosure covenants and, for a period of 12 months after the period of
employment, non-solicitation agreements.


                                       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: March 25, 2005

                                       3
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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): MARCH 22, 2005

                                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 1.01.     ENTRY INTO A MATERIAL DEFINITIVE AGREEMENT.

     See Item 5.02(c) for a description of the amended and restated employment
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 March 22, 2005, the Board of Directors of the Company appointed James
Eckel, age 49, as an executive officer of the Company. He is serving as Senior
Vice President--Marketing of the Company and its subsidiary, Mid America Bank,
fsb. Mr. Eckel, formerly a member of the executive management team of
Milwaukee-based St. Francis Capital Corporation, joined the Company when it
acquired St. Francis in December 2003. Until December 2004, when Mr. Eckel
assumed marketing responsibilities at the Bank, he held the position of Senior
Vice President/Director of Retail Banking of St. Francis Bank, a division of Mid
America Bank. Prior to the Company's acquisition of St. Francis, Mr. Eckel was
serving as Executive Vice President of St. Francis Bank where he served in
various officer positions over a number of years.

     In connection with the acquisition, the Bank entered into a three-year
employment agreement with Mr. Eckel effective December 1, 2003. The agreement
provides for an annual base salary of not less than $157,500, discretionary
bonuses as determined by the compensation committee, vacation benefits
comparable to other executives and participation in employee benefit plans
generally available to employees of the Company and the Bank. As amended and
restated effective March 22, 2005, the agreement also entitles Mr. Eckel to
receive certain salary continuation benefits based on the initial base salary
for the remainder of the three-year employment period in the event his
employment is terminated by the Bank other than for cause (as defined in the
agreements), death or disability, or if Mr. Eckel voluntarily resigns after a
reduction in his base salary below the initial amount, or if the Bank requires
him to relocate his principal office outside the greater Milwaukee metropolitan
area without his consent. The agreement also obligates Mr. Eckel to certain
nondisclosure covenants and, for a period of 12 months after the period of
employment, non-solicitation agreements.

                                       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: March 25, 2005

                                       3