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. 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: July 19, 2001 3 INDEX TO EXHIBITS ----------------- Exhibit - ------- Exhibit 99 Press Release dated July 19, 2001. 4