EXHIBIT 10.26

              AMENDMENT TO DEFERRED COMPENSATION AGREEMENT
              --------------------------------------------

This Amendment is entered into as of November 24, 2003 to amend that certain
Deferred Compensation Agreement dated January 1, 1996 (the "Agreement"), which
Agreement is currently in effect between Edward W. Mentzer, St. Francis Bank,
F.S.B. (in its own capacity and in its capacity as successor by merger to Bank
Wisconsin) and St. Francis Capital Corporation.

Effective upon the merger of St. Francis Capital Corporation and MAF Bancorp,
Inc. in accordance with the terms of an Agreement and Plan of Reorganization
dated May 20, 2003, which contemplates the merger of those two entities and
their respective subsidiaries, St. Francis Bank, F.S.B. and Mid America Bank,
FSB, the Agreement is amended to add the following additional Section:

     15. Notwithstanding any other provision of this Agreement to the contrary:

          a. No further deferrals or accruals (other than interest) shall be on
     behalf of Edward W. Mentzer pursuant to Section 2(a) of this Agreement.

          b. The merger of St. Francis Capital Corporation and MAf Bancorp, Inc.
     in accordance with the terms of Agreement and Plan of Reorganization dated
     May 20, 2003, which contemplates the merger of those two entities and their
     respective subsidiaries, St. Francis Bank, F.S.B. and Mid America Bank,
     FSB, shall not be deemed a "change in control" for purposes of Section 7 of
     this Agreement.

IN WITNESS WHEREOF, the parties have made this amendment as of the date first
set forth above.

                                                /s/ Edward W. Mentzer
                                                -------------------------------



                                                ST. FRANCIS CAPITAL CORPORATION

                                            By: /s/ Jon D. Sorenson
                                                -------------------------------
                                                Jon D. Sorenson, Exec. V.P.



                                                ST. FRANCIS BANK, F.S.B.

                                            By: /s/ Thomas R. Perz
                                                -------------------------------
                                                Thomas R. Perz, President



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                  AMENDMENT TO DEFERRED COMPENSATION AGREEMENT
                      BETWEEN ST. FRANCIS BANK, F.S.B. AND
                               EDWARD W. MENTZER

This Agreement by and between St. Francis Bank, F.S.B. (the "Bank") and Edward
W. Mentzer (the "Director") is dated as of January 19, 1999.

WHEREAS, the Director has previously entered into a Deferred Compensation
Agreement with St. Francis Savings and Loan Association, the predecessor to the
Bank, which Agreement is dated December 17, 1986, and was subsequently amended
as of October 22, 1997;

WHEREAS, the Agreement, as amended, provides that benefits shall be paid to the
Director in monthly installments of $2,000; and

WHEREAS, the Bank and the Director wish to amend the distribution terms to
provide that benefits shall be paid in monthly installments of $4,000,

NOW, THEREFORE, in consideration of the premises, the parties agree as follows:

1.   Effective January 1, 1999, Director's benefits under the Agreement as
     amended shall be paid in monthly instalments of $4,000.

2.   The remaining terms of the Agreement, as amended, shall continue in effect.

IN WITNESS WHEREOF, the parties have executed this agreement as of the date
first set forth above.


                                                /s/ Edward W. Mentzer
                                                -------------------------------



                                                ST. FRANCIS BANK, F.S.B.

                                            By: /s/ William R. Hotz
                                                -------------------------------


<PAGE>

                                    AMENDED
                        DEFERRED COMPENSATION AGREEMENT

     THIS AGREEMENT is made this 1st day of January, 1996, between ST. FRANCIS
CAPITAL CORPORATION, ST. FRANCIS BANK, F.S.B. (the "Bank"), BANK WISCONSIN
(collectively referred to as the "Controlled Group") and Edward W. Mentzer, (the
"Director").

     WHEREAS, Director has previously entered into a deferred compensation
agreement with the Bank, the sole member of the Controlled Group paying
directors' fees prior to January 1, 1996, and

     WHEREAS, each member of the Controlled Group will now pay directors' fees,
and

     WHEREAS, the parties to this Agreement wish to amend the prior agreement to
reflect the payment of Directors' fees by other members of the Controlled Group.

     NOW, THEREFORE, in consideration of the premises, the parties agree as
follows:

     1.   Director's Fee. Effective January 1,1996 and continuing through
          December 31, 1998, the Director hereby elects to defer his monthly
          Director's fees, meeting fees, and committee fees commencing as
          follows:

          St. Francis Capital Corporation         $15,000.00
          St. Francis Bank, F.S.B.                $_________
          Bank Wisconsin                          $_________
          Total                                   $15,000.00

     Director may elect to increase or decrease his deferral election for any
     year by delivering a notice, to the Bank; provided, however that the
     Director's total deferrals from all members of the Controlled Group may not
     be terminated or reduced below $15,000.00 per year without the Bank's
     express consent. If Director ceases to be a member of the Board, he shall
     be deemed to have terminated his deferral. If the Director should terminate
     his deferral prior to December 31, 1998 for any reason other than
     Director's death, Director's benefits under this Agreement shall be payable
     pursuant to paragraph 5.

2.   Deferred Benefit Account. The Bank shall establish a Deferred Benefit
     Account on its books for Director reflecting the amount Director has
     elected to defer from each member of the Controlled Group, and shall credit
     to Director's Deferred Benefit Account the following amounts at the times
     specified:

     (a) The compensation that the Director elects to defer pursuant to
     paragraph 1 above, credited as of the date the Director would otherwise
     have received the compensation.

     (B) As of each April 30, an amount equal to the interest earned since the
     last preceding April 30. Interest shall be calculated using the rate one
     (1) percentage point over the composite yield on

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        Moody's Long Term Bond Index rate in effect on the preceding April 30.
        The interest rate shall be applied to the average balance in the
        Deferred Benefit Account since the last April 30. The average balance
        shall be determined by adding the balance as of the end of each month in
        the year and dividing by 12. Interest will be compounded annually and
        will continue to be credited on any undistributed balance. A Director's
        Deferred Benefit Account shall be utilized solely as a device for the
        measurement and determination of the amounts to be paid to the Director
        pursuant to this Agreement. A Director's Deferred Benefit Account shall
        not constitute or be treated as a trust fund of any kind. Title to and
        beneficial ownership of any assets, which the Bank may earmark to pay
        deferred compensation hereunder, shall at all times remain in the Bank,
        and the Director shall at all times remain in the Bank, and the Director
        shall not have any interest in specific assets of the Bank by virtue of
        this Agreement. The Bank shall provide Director within 120 days after
        each April 30, a statement in such form as the Bank deems desirable
        setting forth the balance to the credit of Director in his Deferred
        Benefit Account as of April 30.

3.   Retirement Benefits. Upon Director's attainment of age 65, Bank shall pay
     Director as compensation for services rendered prior to such date a benefit
     equal to the amount of his Deferred Benefit Account determined as of the
     April 30 coincident with or next following Director's age 65. The
     retirement benefit shall be paid over a period of 10 years. If Director
     should die at a time when payments under this paragraph are due to commence
     or have commenced and before the payments provided for herein have been
     made, the unpaid balance will continue to be paid in installments to his
     designated beneficiary until such time as a total of all payments have been
     made. The portion of the Director's Account to be paid to the Director
     during each year shall be as follows:

     Installment No.                 Portion of Account to be Paid
     ---------------                 -----------------------------
             1                                     1/10
             2                                     1/9
             3                                     1/8
             4                                     1/7
             5                                     1/6
             6                                     1/5
             7                                     1/4
             8                                     1/3
             9                                     1/2
             10                              Remaining Balance

4.   Survivor Benefits. Upon Director's death prior to age 65, the Bank shall
     pay Director's designated beneficiary the balance in the Director's
     Deferred Benefit Account over a period of 10 years as provided in paragraph
     3.

5.   Termination of Deferrals. Notwithstanding paragraphs 3 and 4 above, if
     Director terminates deferrals prior to DECEMBER 31, 1998 for any reason
     other than the Director's death or a change in control as described in
     paragraph 7, Director shall be paid a lump sum amount equal to his Deferred
     Benefit Account on April 30 immediately following the date six years from
     the date of the prior deferred compensation agreement with the Bank.

6.   Frequency of Payment. Payments to be made pursuant to paragraph 3 and
     paragraph 4 shall be

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     made in monthly instalments. The Bank may, in its absolute discretion,
     accelerate the payment of any amounts provided herein to the extent it
     desires, or commute any installment payments into a single lump sum payment
     equal to the present value of the right to receive such future installment
     payments. In the calculation of lump sum present value, Bank shall use an
     interest rate equal to the average interest rate obtained in three
     quotations from commercial insurers licensed to do business in Wisconsin
     for a fixed term annuity corresponding to the remaining future installments
     being commuted.

7.   Change in Control. In the event of a "change in control", the Bank shall
     pay Director a lump sum equal to his Deferred Benefit Account within 60
     days following such event. For purposes of this Agreement, a "change in
     control" shall mean a change in control with respect to the Bank or its
     parent holding company of a nature that would be required to be reported in
     response to Item 6(e) of Schedule 14A of Regulation 14A promulgated under
     the Securities Exchange Act of 1934, as amended ("Exchange Act") or any
     successor thereto; provided that, without limitation, such a change in
     control shall be deemed to have occurred if (i) any "person" (as such term
     is used in Sections 13(d) and 14(d) of the Exchange Act) is or becomes the
     "beneficial owner" (as defined in Rule 13d-3 under the Exchange Act),
     directly or indirectly, of securities representing 25% or more of the
     combined voting power of the Bank or holding company's then outstanding
     securities; or (ii) during any period of two consecutive years, individuals
     who at the beginning of such period constitute the Board of Directors of
     the Bank or company cease for any reason to constitute at least a majority
     thereof unless the election, or the nomination for election by
     stockholders, of each new director was approved by a vote of at least
     two-thirds of the directors then still in office who were directors at the
     beginning of the period.

8.   Designation of Beneficiaty. Director shall have the right to designate a
     beneficiary or beneficiaries to receive any death benefit provided herein.
     Such designation of beneficiary shall be delivered in writing to Bank and
     may be changed by Director, at any time by written notice delivered to
     Bank. If no beneficiary has been designated or if the designated
     beneficiary does not survive the Director, the death benefit shall be
     payable to Director's estate. If the beneficiary or beneficiaries who
     survive Director die before receiving the full amount of any benefits
     payable hereunder, such benefits shall be paid to the estate of the last
     such beneficiary to die.

9.   No Trust Created. Nothing contained in this Agreement, and no action taken
     pursuant to the provisions of this Agreement, shall create or be construed
     to create a trust of any kind, or fiduciary relationship between the Bank
     and Director, his designated beneficiary or any other person. Any funds
     which may be invested or assets which may be acquired by Bank relating to
     this Agreement shall continue for all purposes to be a part of the general
     funds of Bank and no person other than Bank shall by virtue of the
     provisions of this Agreement have any interest in such funds or assets. To
     the extent that any person acquires a right to receive payment from Bank
     under this Agreement, such right shall be no greater than the right of any
     unsecured general creditor of Bank.

10.  Assignment Not Permitted. Except as provided in paragraph 8 hereof, the
     right of Bank or any other person to the payment of deferred compensation
     or other benefits under this Agreement shall no be assigned, transferred,
     pledged or encumbered.

11.  Duty of Cooperation. The Director shall, as a condition precedent to the
     receipt of any benefits

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     under this Agreement, cooperate- with the Bank in undergoing any medical
     examinations and providing any information reasonably necessary in
     connection with the Agreement. In the event of the Director's death during
     the first two (2) years of his participation, then should such death have
     been a suicide or should Director be uninsurable or should the Director
     have made any material misstatement or failed to make a material disclosure
     of information in any documentation which the Director is requested to
     complete ,in connection with this Agreement, no death benefits under the
     terms of this Agreement will be payable other than a return of Director's
     prior deferrals without interest, unless and to the extent that the Board
     of Directors of Bank, in their absolute discretion, may otherwise
     determine.

12.  Agreement Binding. This Agreement shall be binding on and inure to the
     benefit to Bank, its successors and assigns and of Director and his heirs,
     executors, administrators and legal representatives. This instrument
     contains the entire agreement between the parties and may not be amended
     orally, but only by agreement in writing signed by both parties.

13.  Competence of Payees. Every person receiving or claiming payments hereunder
     shall be conclusively presumed to be mentally competent until the date on
     whcih the Bank receives written notice, in form and manner acceptable to
     it, that such person is incompetent and that a guardian, conservator, or
     other person legally vested with the management of his estate has been
     appointed. In the event a guardian or conservator of the estae or any
     person receiving or claiming payment hereunder shall be appointed by a
     court of competent jurisdicition, payments may be made to such guardian or
     conservator provided that proper proof of appointment and continuing
     qualificaiton is furnished in a form and manner acceptable to the Bank. Any
     such payment so made shall be a complete discharge of liability therefor.

14.  Taxes. To the extent required by the law in effect at the time payments are
     made, the Bank shall withhold any taxes required to be withheld by the
     federal or any state or local government form payments made hereunder.

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     IN WITNESS WHEREOF, the parties have executed this Agreement as of the
date first set forth above.



                                                ST. FRANCIS CAPITAL CORPORATION

(Corporate Seal)                            By: /s/ Brian T. Kaye
                                                -------------------------------
                                                Secretary



                                                ST. FRANCIS BANK, F.S.B.

(Corporate Seal)                            By: /s/ Brian T. Kaye
                                                -------------------------------
                                                Secretary



                                                BANK WISCONSIN

(Corporate Seal)                            By: /s/ James C. Hazzard
                                                -------------------------------

                                                /s/ Edward W. Mentzer
                                                -------------------------------
                                                Director's Signature


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