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CONSENT OF INDEPENDENT AUDITORS
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The Board of Directors
MAF Bancorp, Inc.:
We consent to incorporation by reference in the registration statement (No. 333-
65655) on Form S-8 of MAF Bancorp, Inc. of our report dated June 19, 2000,
relating to the statements of net assets available for plan benefits of the Mid
America Bank, fsb Employees' Profit Sharing Plan as of December 31, 1999 and
1998, and the related statements of changes in net assets available for plan
benefits for each of the years in the three-year period ended December 31, 1999,
and the schedule of assets held for investment purposes as of December 31, 1999,
which report appears in the December 31, 1999 annual report on Form 11-K of Mid
America Bank, fsb Employees Profit Sharing Plan.
/s/ KPMG LLP
Chicago, Illinois
June 28, 2000
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