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): OCTOBER 20, 2003



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

                          _____________________________


         DELAWARE                     0-18121                    36-3664868
      (State or other         (Commission File Number)        (I.R.S. Employer
      jurisdiction of                                        Identification No.)
       Incorporation)

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 99.1 is a copy of the Press Release issued by MAF
Bancorp, Inc. on October 20, 2003 announcing the corporation's financial results
for the third quarter of 2003, which is incorporated herein by reference. This
information, filed under Item 5. Other Events, is also deemed to be provided
under Item 12. Results of Operations and Financial Condition.

ITEM 7(C). EXHIBITS.
           ---------

Exhibit 99.1      Press Release dated October 20, 2003

ITEM 12.   RESULTS OF OPERATIONS AND FINANCIAL CONDITION.
           ----------------------------------------------

           See Item 5.


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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:  October 20, 2003


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

Exhibit
- -------

Exhibit 99.1   Press Release dated October 20, 2003.


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