MAF BANCORP INC
SC 13G, 1997-02-14
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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<PAGE>

                                 

                                 UNITED STATES
                      SECURITIES AND EXCHANGE COMMISSION
                            Washington, D.C. 20549


                                  SCHEDULE 13G



                   Under the Securities Exchange Act of 1934
                              (Amendment No. 6)*


                               MAF Bancorp, Inc.
                      ------------------------------------
                                (Name of Issuer)

                     Common Stock par value $.01 per share
                    --------------------------------------
                         (Title of Class of Securities)

                                   55261R108
                                  -----------
                                 (CUSIP Number)


Check the following box if a fee is being paid with this statement [_]. (A fee
is not required only if the filing person: (1) has a previous statement on file
reporting beneficial ownership of more than five percent of the class of
securities described in Item 1; and (2) has filed no amendment subsequent
thereto reporting beneficial ownership of five percent or less of such class.)
(See Rule 13d-7.)

*The remainder of this cover page shall be filled out for a reporting person's
initial filing on this form with respect to the subject class of securities, and
for any subsequent amendment containing information which would alter the
disclosures provided in a prior cover page.

The information required in the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the Securities Exchange Act of
1934 ("Act") or otherwise subject to the liabilities of that section of the Act
but shall be subject to all other provisions of the Act (however, see the
Notes).

 
SEC 1745 (2-95)

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- -----------------------                                    ---------------------
CUSIP NO.  55261R108                 13G                   PAGE 2 OF 5 PAGES
- -----------------------                                    ---------------------
                                     
- ------------------------------------------------------------------------------
      NAME OF REPORTING PERSON
 1    S.S. or I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
                                                                                
      Mid America Federal Savings Employee Stock Ownership Plan
      36-3703663
- ------------------------------------------------------------------------------
      CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
 2                                                              (a) [_]
                                                                (b) [_]
- ------------------------------------------------------------------------------
      SEC USE ONLY
 3
 
- ------------------------------------------------------------------------------
      CITIZENSHIP OR PLACE OF ORGANIZATION
 4                                 
      Illinois
- ------------------------------------------------------------------------------
                          SOLE VOTING POWER
                     5                                                       
     NUMBER OF            -0-
                              
      SHARES       -----------------------------------------------------------
                          SHARED VOTING POWER
   BENEFICIALLY      6       
                          299,941
     OWNED BY
                   -----------------------------------------------------------
       EACH               SOLE DISPOSITIVE POWER
                     7       
    REPORTING             299,941
 
      PERSON       -----------------------------------------------------------
                          SHARED DISPOSITIVE POWER
       WITH          8       
                          -0-
- ------------------------------------------------------------------------------
      AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
 9                           
      299,941
- ------------------------------------------------------------------------------
      CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*
10           
                                                                    [_]
- ------------------------------------------------------------------------------
      PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)
11           
      2.86% based upon 10,490,113 shares outstanding as of December 31, 1996
- ------------------------------------------------------------------------------
      TYPE OF REPORTING PERSON*
12           
      EP
- ------------------------------------------------------------------------------
                     *SEE INSTRUCTION BEFORE FILLING OUT!

                  
<PAGE>


        Mid America Federal Savings Bank Employee Stock Ownership Plan

                                 SCHEDULE 13G


Page 3 of 5
CUSIP Number 55261R108


Item 1(a)      Name of Issuer:
               MAF Bancorp, Inc.
             

Item 1(b)      Address of Issuer's Principal Executive Offices:
               55th & Holmes Avenue
               Clarendon Hills, IL 60514 
             
Item 2(a)      Name of Person Filing:
               Mid America Federal Savings Bank
               Employee Stock Ownership Plan
             
Item 2(b)      Address of Principal Business Office:
               55th & Holmes Avenue
               Clarendon Hills, IL 60514
             
Item 2(c)      Citizenship:
               Illinois
             
Item 2(d)      Title of Class of Securities:
               Common Stock par value $.01 per share 
             
Item 2(e)      CUSIP Number:
               55261R108
             
Item 3.        The person filing this statement is an employee benefit plan
               which is subject to the provisions of the Employee Retirement
               Income Security Act of 1974.
<PAGE>


Page 4 of 5
CUSIP Number: 55261R108


Item  4        Ownership. As of December 31, 1996, the reporting person
               beneficially owned 299,941 shares of the issuer. This number of
               shares represents 2.86% of the common stock, par value $.01, of
               the issuer, based upon 10,490,113 shares of such common stock
               outstanding. The reporting person has shared power to vote or
               direct the vote of 299,941 shares. The reporting person has the
               sole power to dispose or direct the disposition of 299,941 shares
               of stock.

Item  5        Ownership of Five Percent or Less of a Class. If this statement
               is being filed to report the fact that as of the date hereof the
               reporting person has ceased to be the beneficial owner of more
               than five percent of the class of securities, check the following
               [X].

Item  6        Not applicable



Item  7        Not applicable





Item  8        Not applicable



Item  9        Not applicable

Item 10        Certification.

               By signing below, I certify that, to the best of my knowledge and
               belief, the securities referred to above were acquired in the
               ordinary course of business and were not acquired for the purpose
               of and do not have the effect of changing or influencing the
               control of the issuer of such securities and were not acquired in
               connection with or as a participant in any transaction having
               such purposes or effect.
<PAGE>


Page 5 of 5
CUSIP Number: 55261R108




                                   SIGNATURE


After reasonable inquiry and to the best of my knowledge and belief, I certify 
that the information set forth in this statement is true, complete and correct.



2/14/97
- --------------------------------------------------------------------------------
(Date)



/s/  David W. Hart 
- --------------------------------------------------------------------------------
(Signature)
David W. Hart
Vice President & Trust Officer
NBD Bank


NBD Bank, N.A. and its successors in trust not individually but solely as
trustee under that certain Mid America Federal Savings Bank Employee Stock
Ownership Trust effective as of July 1, 1989 by and between the undersigned 
and Mid America Federal Savings Bank.


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