SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                   FORM 10-K/A



[X]   ANNUAL REPORT  PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES  EXCHANGE
      ACT OF 1934 For the Fiscal Year Ended December 31, 2004

                                       OR

[_]   TRANSITION  REPORT  PURSUANT  TO  SECTION  13 OR 15(d)  OF THE  SECURITIES
      EXCHANGE ACT OF 1934
      For the transition period from __________________ to _____________________


                        Commission File Number: 000-33405

                                AJS Bancorp, Inc.
              ----------------------------------------------------
             (Exact Name of Registrant as Specified in its Charter)

         United States                                         36-4485429
-------------------------------                       --------------------------
(State or Other Jurisdiction of                            (I.R.S. Employer
 Incorporation or Organization)                           Identification No.)

14757 South Cicero Avenue, Midlothian, Illinois                       60445
-----------------------------------------------                   --------------
    (Address of Principal Executive Offices)                        (Zip Code)

                                 (708) 687-7400
               ---------------------------------------------------
               (Registrant's Telephone Number including area code)

           Securities Registered Pursuant to Section 12(b) of the Act:

                                      None
                                      ----

           Securities Registered Pursuant to Section 12(g) of the Act:

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


Indicate by check mark whether the Registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the preceding  twelve months (or for such shorter period that the Registrant was
required to file such reports) and (2) has been subject to such requirements for
the past 90 days.  YES  X   NO
                       ---     ---

Indicate by check mark if disclosure of delinquent  filers  pursuant to Item 405
of Regulation  S-K is not contained  herein,  and will not be contained,  to the
best of Registrant's  knowledge,  in definitive proxy or information  statements
incorporated by reference in Part III of this Form 10-K or any amendment to this
Form 10-K. [_]


Indicate  by check mark  whether  the  registrant  is an  accelerated  filer (as
defined in Exchange Act Rule 12b-22).  YES  X   NO
                                           ---     ---

As of June 30, 2004, there were 2,267,932 shares outstanding of the Registrant's
Common  Stock.   The  aggregate  market  value  of  the  voting  stock  held  by
non-affiliates  of the Registrant,  computed by reference to the average bid and
asked prices of the Common Stock as of June 30, 2004, ($22.25) was $16,275,697.

                       DOCUMENTS INCORPORATED BY REFERENCE

1.    Proxy Statement for the 2005 Annual Meeting of  Stockholders  (Parts I and
      III).


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This amendment is filed to include Exhibit 32, which was  inadvertently  omitted
from the original filing.


                                   SIGNATURES

      Pursuant  to the  requirements  of Section  13 or 15(d) of the  Securities
Exchange Act of 1934, the registrant has duly caused this report to be signed on
its behalf by the undersigned, thereunto duly authorized.

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                                                         AJS Bancorp, Inc.



Date: June 20, 2005                                By:   /s/ Thomas R. Butkus
                                                         ---------------------------
                                                         Thomas R. Butkus,
                                                         Chairman of the Board and
                                                         Chief Executive Officer

      Pursuant to the requirements of the Securities  Exchange Act of 1934, this
report  has  been  signed  below  by the  following  persons  on  behalf  of the
registrant and in the capacities and on the dates indicated.



By:   /s/ Thomas R. Butkus                         By:   /s/ Lyn G. Rupich
      ------------------------------                     ----------------------------
      Thomas R.  Butkus, Chairman of the Board           Lyn G. Rupich, President
         and Chief Executive Officer                     (Principal Executive Officer)

Date: June 20, 2005                                Date: June 20, 2005



By:   /s/ Pamela N. Favero                         By:   /s/ Roger L. Aurelio
      ------------------------------                     ----------------------------
      Pamela N. Favero, Chief Financial Officer          Roger L. Aurelio, Director

Date: June 20, 2005                                Date: June 20, 2005



By:   /s/ Raymond J. Blake                         By:   /s/ Richard J. Nogal
      ------------------------------                     ----------------------------
      Raymond J. Blake, Director                         Richard J. Nogal, Director

Date: June 20, 2005                                Date: June 20, 2005


By:   /s/ Edward S. Milen
      ------------------------------
      Edward S. Milen, Director

Date: June 20, 2005

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