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) JULY 19, 2001



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

                          _____________________________


           DELAWARE                         0-18121              36-3664868
(State or other jurisdiction of    (Commission File Number)   (I.R.S. Employer
        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)





ITEM 5.  OTHER EVENTS.
         ------------

     Attached as Exhibit 99 is a copy of the Press Release issued by MAF
Bancorp, Inc. on July 19, 2001 announcing the corporation's financial results
for the second quarter of 2001, which is incorporated herein by reference.

                           Forward-Looking Information
                           ---------------------------

Statements contained in or incorporated into this report that are not historical
facts constitute forward-looking statements (within the meaning of Section 21E
of the Securities Exchange Act of 1934, as amended), which involve significant
risks and uncertainties. The Company intends such forward-looking statements to
be covered by the safe harbor provisions for forward-looking statements
contained in the Private Securities Litigation Reform Act of 1995, and is
including this statement for purposes of invoking these safe harbor provisions.
Forward-looking statements, which are based on certain assumptions and describe
future plans, strategies and expectations of the Company, are generally
identifiable by use of the words "believe," "expect," "intend," "anticipate,"
"estimate," "project," "plan," or similar expressions. The Company's ability to
predict results or the actual effect of future plans or strategies is inherently
uncertain and actual results may differ from those predicted. The Company
undertakes no obligation to update these forward-looking statements in the
future. Factors which could have a material adverse effect on the operations and
could affect the outlook or future prospects of the Company and its subsidiaries
include, but are not limited to, unanticipated changes in interest rates,
general economic conditions, legislative/regulatory changes, monetary and fiscal
policies of the U.S. Government, including policies of the U.S. Treasury and the
Federal Reserve Board, the quality or composition of the Company's or Mid Town
Bancorp, Inc.'s loan or investment portfolios, demand for loan products,
secondary mortgage market conditions, deposit flows, competition, demand for
financial services and residential real estate in the Company's market area,
unanticipated slowdowns in real estate lot sales or problems in closing pending
real estate contracts, delays in real estate development projects, higher than
anticipated costs, or lower than anticipated revenues, associated with the Mid
Town Bancorp, Inc. acquisition or the possible short-term dilutive effect of
other potential acquisitions, if any, and changes in accounting principles,
policies and guidelines. These risks and uncertainties should be considered in
evaluating forward-looking statements and undue reliance should not be placed on
such statements.

ITEM 7(c).  EXHIBITS.

Exhibit 99      Press Release dated July 19, 2001.

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                                    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:  July 19, 2001

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

Exhibit
- -------

Exhibit 99      Press Release dated July 19, 2001.

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