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 26, 2004
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
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On July 26, 2004, MAF Bancorp, Inc. ("MAF") issued a press release
announcing its participation in the Keefe, Bruyette & Woods 5th Annual Community
Bank Investor Conference on July 27-29, 2004. 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
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Statements contained in or incorporated by reference 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. These
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 operations and could
affect management's outlook or future prospects of the Company and its
subsidiaries include, but are not limited to, higher than expected overhead,
infrastructure and compliance costs needed to support growth in the Company,
difficulties implementing the Company's business model in the Milwaukee area
markets, unanticipated changes in interest rates or flattening of the yield
curve, demand for loan products, unanticipated changes in secondary mortgage
market conditions or the market for mortgage servicing rights, deposit flows,
competition, adverse federal or state legislative or regulatory developments,
monetary and fiscal policies of the U.S. Government, including policies of the
U.S. Treasury and Federal Reserve Board, difficulties or delays in completing
the acquisition of Chesterfield, higher than expected costs or unanticipated
difficulties associated with the integration of Chesterfield into MAF,
deteriorating economic conditions which could result in increased delinquencies
in MAF's or Chesterfield's loan portfolio, the quality or composition of MAF's
or Chesterfield's loan or investment portfolios, demand for financial services
and residential real estate in MAF's or Chesterfield'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.
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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
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Jerry A. Weberling
Executive Vice President and
Chief Financial Officer
Date: July 26, 2004
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INDEX TO EXHIBITS
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Exhibits
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Exhibit 99.1 Press Release dated July 26, 2004
Exhibit 99.2 Conference Presentation Materials
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