| Federal                                     | 000-33405                            | 36-4485429                         |
|---------------------------------------------|--------------------------------------|------------------------------------|
| (State                or Other Jurisdiction | (Commission                File No.) | (I.R.S.                Employer    |
| of                Incorporation)            |                                 | Identification                No.) |

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

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| **Item                  2. 02**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | **Results                of Operations and Financial Condition**              |
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------|
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                                                                          |   |
| The                  Company is announcing by this filing its December 31, 2006 financial                  results and the declaration of a cash dividend of $0.11 per share.                  The                  information on financial results and the declaration of cash dividend                  is                  attached as Exhibit 99.1. The information included in Exhibit 99.1                  is                  considered to be “furnished” under the Securities Exchange Act of                  1934. |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                                                                          |   |
| **Item                  9.01**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | **Financial                  Statements and Exhibits**                        |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                                                                          |   |
| (a)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         | Financial                  Statements of businesses acquired. Not Applicable. |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                                                                          |   |
| (b)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         | Pro                  forma financial information. Not Applicable.             |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                                                                          |   |
| (c)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         | Exhibits.                                                                     |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                                                                          |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | The                  following Exhibit is attached as part of this report:    |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                                                                          |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | 99.1                                                                          | Announcement                  of the results of operations and dividend declaration, for AJS                  Bancorp,                  Inc. for December 31,                  2006. |

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**SIGNATURES**

|                                  | **AJS                BANCORP, INC.**             |   |
|---------------------------------------|--------------------------------------------------|--------|
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| DATE:                January 18, 2007 | By:                /s/ Lyn G. Rupich             |   |
|                                  | Lyn                G. Rupich                     |   |
|                                  | President/Chief                Operating Officer |   |