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): FEBRUARY 28, 2003
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 9. Regulation FD Disclosure
On February 28, 2003, MAF Bancorp, Inc. ("MAF") issued a press release
announcing its participation in the Raymond James & Associates Institutional
Investors Conference to be held in Orlando, Florida on March 3-5, 2003. A copy
of the press release is attached hereto as Exhibit 99.1 and incorporated by
reference herein. A copy of the materials to be used by MAF for the presentation
is attached hereto as Exhibit 99.2 and incorporated by reference herein.
Note: the information in this report (including the exhibits) is
furnished pursuant to Item 9 and shall not be deemed to be "filed" for the
purposes of Section 18 of the Securities Exchange Act of 1934 or otherwise
subject to the liabilities of that section. This report will not be deemed a
determination or an admission as to the materiality of any information in the
report that is required to be disclosed solely by Regulation FD.
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 27 of
the Securities Act of 1933, as amended, and 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 management's
outlook or future prospects of the Company and its subsidiaries include, but are
not limited to, difficulties in achieving anticipated cost savings related to
the operation of the acquired banking offices of Fidelity Bancorp or higher than
expected costs related to the Fidelity transaction, unanticipated changes in
interest rates, deteriorating economic conditions which could result in
increased delinquencies in the Company's or Fidelity's loan portfolio,
legislative or regulatory developments, 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 Fidelity'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 and Fidelity's market area,
unanticipated slowdowns in real estate lot sales or problems in closing pending
real estate contracts, delays in real estate development projects, 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.
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: February 28, 2003
INDEX TO EXHIBITS
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Exhibits
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Exhibit 99.1 Press Release dated February 28, 2003.
Exhibit 99.2 Raymond James & Associates Institutional Investors
Conference Presentation Materials