EXHIBIT 23


                        CONSENT OF INDEPENDENT AUDITORS


The Board of Directors
MAF Bancorp, Inc.

We consent to incorporation by reference in the registration statements (No.'s
33-79110, 333-40948, 333-65655, 333-66693, 333-72863, 333-72865) on Form S-8 of
MAF Bancorp, Inc. of our report dated January 25, 2001, relating to the
consolidated statements of financial condition of MAF Bancorp, Inc. and
subsidiaries as of December 31, 2000 and 1999, and the related consolidated
statements of operations, changes in stockholders' equity and cash flows for
each of the years in the three-year period ended December 31, 2000, which report
appears in the December 31, 2000 annual report on Form 10-K of MAF Bancorp, Inc.



/s/ KPMG LLP
Chicago, Illinois
March 20, 2001