X0202 4 2004-11-17 0 0000854662 MAF BANCORP INC (MAFB) 0001197173 ZYCH ANDREW J 55TH AND HOLMES AVENUE CLARENDON HILLS IL 60514 1 0 0 0 Common Stock 2004-11-17 4 S 0 10000 44.0350 D 208905 D Common Stock 2004-11-18 5 G 0 760 0 D 208145 D Common Stock 2004-11-18 5 G 0 200 0 D 207945 D Common Stock 2004-11-18 5 G 0 200 0 A 2800 I As Trustee for Children Common Stock 4930 I As Trustee for Grandchildren Common Stock 29584 I By Wife Common Stock 329 I MRP As a director of Mid America Bank ('Mid America'), a wholly owned subsidiary of MAF Bancorp, Inc. ('MAFB'), the reporting person shares voting and dispositive power with other non-employee directors of Mid America with respect to 329 shares of common stock presently owned by the Mid America Bank Management Recognition and Retention Plan and Trusts ('MRP Plans'). The disclosure of these shares on this Form shall not be construed as an admission that the reporting person is, for purposes of Section 16 of the Securities Exchange Act of 1934, the beneficial owner of such shares. By: Michael J. Janssen, by power of attorney 2004-11-19