EXHIBIT NO. 32.1 - CERTIFICATION OF CHIEF EXECUTIVE OFFICER AND
     CHIEF FINANCIAL OFFICER PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED
           PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002.

     The following  certification is provided by the undersigned Chief Executive
Officer and Chief  Financial  Officer of MAF Bancorp,  Inc. on the basis of each
such  officer's  knowledge and belief for the sole purpose of complying  with 18
U.S.C.  Section 1350, as adopted  pursuant to Section 906 of the  Sarbanes-Oxley
Act of 2002.


                CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO

                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


     In  connection  with  the  Quarterly  Report  of  MAF  Bancorp,  Inc.  (the
"Company")  on Form 10-Q for the three months ended  September 30, 2004 as filed
with the Securities and Exchange  Commission on or about November 9, 2004,  (the
"Report"),  the undersigned  Chief Executive Officer and Chief Financial Officer
of the Company,  hereby certify,  pursuant to 18 U.S.C. Section 1350, as adopted
pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

(1)  The Report fully complies with the  requirements  of Section 13(a) or 15(d)
     of the Securities Exchange Act of 1934, as amended; and

(2)  The information  contained in the Report fairly  presents,  in all material
     respects, the financial condition and results of operations of the Company.


Date: November 9, 2004                        /s/  Allen H. Koranda
                                     -----------------------------------------
                                            Name: Allen H. Koranda
                                          Title: Chairman of the Board
                                                   and Chief Executive Officer




Date: November 9, 2004                        /s/  Jerry A. Weberling
                                     -----------------------------------------
                                            Name: Jerry A. Weberling
                                          Title: Executive Vice President
                                                   and Chief Financial Officer

     A signed  original of this  written  statement  required by Section 906 has
been  provided to the Company and will be retained by the Company and  furnished
to the  Securities  and Exchange  Commission  upon request.  This  certification
accompanies the Company's Form 10-Q for the three months ended June 30, 2004 and
shall not be treated as having been filed as part of the Form 10-Q.