<PAGE>
 
 EXHIBIT NO. 10(XX) - FORM OF AGREEMENT REGARDING POST-EMPLOYMENT RESTRICTIVE 
  COVENANTS BETWEEN MAF BANCORP, INC., MID AMERICA BANK, FSB AND RICHARD A. 
                        BRECHLIN AND GREGG P. GOOSSENS
                                        


The attached Agreement Regarding Restrictive Covenants between MAF Bancorp,
Inc., Mid America Bank, fsb and Richard Brechlin is substantially identical in
all material respects (except as noted in the next sentence) with the Agreement
Regarding Restrictive Covenants between MAF Bancorp, Inc., Mid America Bank, fsb
and Gregg Goossens, which is not being filed. In the agreement with Gregg
Goossens, the monthly amount payable under Paragraph 7 is $5,000.

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                           AGREEMENT REGARDING POST-
                       EMPLOYMENT RESTRICTIVE COVENANTS
                       --------------------------------


     THIS AGREEMENT made effective as of January 1, 1999, by and between MAF
Bancorp, Inc. ("MAF"), Mid America Bank, fsb (the "Bank") and Richard A.
Brechlin ("Executive").

                             W I T N E S S E T H:
                             - - - - - - - - - - 

     WHEREAS, MAF and its affiliates are engaged in depository, lending and
other financial services businesses (the "Business");

     WHEREAS, Executive has expertise, experience and capability in the
Business;

     WHEREAS, MAF has invested significant amounts in the acquisition of all of
the stock of Westco Bancorp, Inc.;

     WHEREAS, Executive has served as Executive Vice President and Treasurer of
Westco Bancorp, Inc. and its subsidiary, First Federal Savings and Loan
Association of Westchester, each with its principal office in Westchester,
Illinois ("Westco Principal Office");

     WHEREAS, MAF and the Bank desire to enter into this Agreement to obtain
Executive's agreements regarding confidentiality and post-employment restrictive
covenants for MAF, the Bank, either of their parents (if any), and/or
subsidiaries (MAF, the Bank and/or subsidiaries hereinafter "MAF or its
affiliates") in return for the payments set forth herein; and

     WHEREAS, Executive is willing to provide such agreements to MAF and the
Bank.

     NOW, THEREFORE, in consideration of the promises and mutual covenants
herein contained, and for other good and valuable consideration, the receipt and
sufficiency of which consideration is mutually acknowledged by the parties, it
is hereby agreed as follows:

     1.  RECITALS.
         -------- 

     The recitals hereinbefore set forth constitute an integral part of this
Agreement, evidencing the intent of the parties in executing this Agreement, and
describing the circumstances surrounding its execution.  Said recitals are by
express reference made a part of the covenants hereof, and this Agreement shall
be construed in light thereof.


     2.  CONFIDENTIAL INFORMATION.
         ------------------------ 

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     Executive acknowledges that during the course of his employment he has
learned or will learn or develop Confidential Information (as that term is
defined in this Section 2).  Executive further acknowledges that unauthorized
disclosure or use of such Confidential Information, other than in discharge of
Executive's duties, will cause MAF or its affiliates irreparable harm.

     For purposes of this Section, Confidential Information means trade secrets
(such as technical and non-technical data, a program, method, technique,
process) and other confidential or proprietary information concerning the
products, processes, services, or customers of MAF or its affiliates, including
but not limited to:  computer programs; marketing, or organizational research
and development; business plans; revenue forecasts; personnel information,
including the identity of other employees of MAF or its affiliates, their
responsibilities, competence, abilities, and compensation; pricing and financial
information; current and prospective customer lists and information on customers
or their employees; information concerning planned or pending acquisitions or
divestitures; and information concerning purchases of major equipment or
property, which information:  (a) has not been made generally available to the
public; and (b) is useful or of value to the current or anticipated business, or
research or development activities of MAF or its affiliates; or (c) has been
identified to Executive as confidential by MAF or its affiliates, either orally
or in writing.

     Except in the course of his employment and in the pursuit of the business
of MAF or its affiliates, Executive shall not, during the course of his
employment, or following termination of his employment for any reason, directly
or indirectly, disclose, publish, communicate or use on his behalf or another's
behalf, any Confidential Information, proprietary information or other data of
MAF or its affiliates.

     Executive acknowledges that as to certain aspects of its business, MAF and
its affiliates operate and compete throughout the Chicagoland area and that MAF
or its affiliates will be harmed by unauthorized disclosure or use of
Confidential Information regardless of where such disclosure or use occurs, and
that therefore this confidentiality agreement is not limited to any single state
or other jurisdiction.

     3.  NON-COMPETITION.
         --------------- 

     During the term of his employment and for the period ending twenty-four
(24) months following the date the Executive receives the final payment of base
salary from MAF and its affiliates (the "Non-Compete Period"), except as MAF may
otherwise consent in writing, the Executive shall not, in the Territory (except
in his capacity as an officer or director of MAF or a MAF affiliate), (a) engage
or participate in the Business, (b) enter the employ of, or render any services
to, any person or entity engaged in or competitive with MAF or its affiliates,
or who is otherwise engaged in the Business; (c) engage or participate in, be
employed by or render services to any person or entity engaged in the
depository, lending or other activities constituting the Business, or (d)
directly or indirectly become interested in any person or entity referred to in
clauses (b) and (c) above in any capacity, including without limitation, as an
individual, partner, 

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shareholder, lender, officer, director, principal, agent or trustee; provided,
however, that the Executive may own, directly or indirectly, solely as an
investment, securities of any publicly-traded entity if Executive is not a
controlling person of such entity, or a member of a group which controls such
entity and Executive does not own more than 5% of any class of equity securities
of such entity.

     "Territory" for purposes hereof shall mean the Westchester, Illinois
community, together with those communities which are within a 15-mile radius of
the Westco Principal Office.

     4.  INDUCEMENT OF OTHER EMPLOYEES.
         ----------------------------- 

     During the Non-Compete Period, Executive will not directly or indirectly
solicit, induce or encourage any person who, as of the date immediately
preceding the date of the termination of Executive's employment, is an employee
of MAF or any of its affiliates to terminate his or her relationship with MAF or
its affiliates.

     5.  RETURN OF MAF'S PROPERTY.
         ------------------------ 

     All notes, reports, plans, published memoranda or other documents created,
developed, generated or held by Executive during employment, concerning or
related to MAF's or its affiliates' business, and whether containing or relating
to Confidential Information or not, are the property of MAF or its affiliates
and will be promptly delivered to MAF or its affiliates upon termination of
Executive's employment for any reason whatsoever.

     6.  REMEDIES.
         -------- 

     Executive acknowledges that the restraints and agreements herein provided
are fair and reasonable, that enforcement of the provisions of Sections 2, 3, 4
and 5 will not cause him undue hardship and that said provisions are reasonably
necessary and commensurate with the need to protect MAF or its affiliates and
its legitimate and proprietary business interests and property from irreparable
harm.

     Executive acknowledges that failure to comply with the terms of this
Agreement will cause irreparable damage to MAF or its affiliates.  Therefore,
Executive agrees that, in addition to any other remedies at law or in equity
available to MAF or its affiliates for Executive's breach or threatened breach
of this Agreement, MAF or its affiliates is entitled to specific performance or
injunctive relief, without bond, against Executive to prevent such damage or
breach, and the existence of any claim or cause of action Executive may have
against MAF will not constitute a defense thereto.  Executive further agrees to
pay reasonable attorney fees and costs of litigation incurred by MAF or its
affiliates in any proceeding relating to the enforcement of the Agreement or to
any alleged breach thereof in which MAF or its affiliates prevail in full as
determined by a final order entered in such action.

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     In the event of a breach or a violation by Executive of any of the
covenants and provisions of this Agreement, the running of the Non-Compete
Period (but not of Executive's obligation thereunder), shall be tolled during
the period of the continuance of any actual breach or violation.

     7.  PAYMENTS TO EXECUTIVE.  In consideration of Executive's agreements
         ---------------------                                             
hereunder, MAF shall pay, or shall cause the Bank or one of its affiliates to
pay to Executive, twenty-four (24) equal monthly payments in the amount set
forth on the signature page hereof.  The first payment shall be payable as of
the first day of the month following the final payment of base salary from MAF
and its affiliates, with each subsequent payment due on the first day of each
month thereafter until all twenty-four (24) payments have been made.  In the
event of the Executive's death the twenty-four (24) monthly payments, or if
payments had commenced, the remaining monthly payments shall continue to the
beneficiary designated by the Executive in writing filed with MAF until twenty-
four (24) payments are made.  All payments hereunder shall be subject to
applicable withholding requirements.

     8.  ENTIRE UNDERSTANDING.
         -------------------- 

     This Agreement constitutes the entire understanding between the parties
relating to Executive's restrictions on Executive's post-employment services and
supersedes and cancels all prior written and oral understandings and agreements
with respect to such matters.

     9.  BINDING EFFECT.
         -------------- 

     This Agreement shall be binding upon and inure to the benefit of MAF and
its successors and Executive and his successors and assigns.  MAF shall each
require any successor or assignee, whether direct or indirect, by purchase,
merger, consolidation or otherwise, expressly and unconditionally to assume and
agree to perform MAF's obligations under this Agreement, in the same manner and
to the same extent that MAF would be required to perform if no such succession
or assignment had taken place.

     10. PARTIAL INVALIDITY.
         ------------------ 

     The various provisions of this Agreement are intended to be severable and
to constitute independent and distinct binding obligations.  Should any
provision of this Agreement be determined to be void and unenforceable, in whole
or in part, it shall not be deemed to affect or impair the validity of any other
provision or part thereof, and such provision or part thereof shall be deemed
modified to the extent required to permit enforcement.  Without  limiting the
generality of the foregoing, if the scope of any provision contained in this
Agreement is too broad to permit enforcement to its full extent, but may be made
enforceable by limitations thereon, such provision shall be enforced to the
maximum extent permitted by law, and Executive hereby agrees that such scope may
be judicially modified accordingly.

     11. STRICT CONSTRUCTION.
         ------------------- 

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     The language used in this Agreement will be deemed to be the language
chosen by MAF and Executive to express their mutual intent and no rule of strict
construction shall be applied against any person.

     12.  WAIVER.
          ------ 

     The waiver of any party hereto of a breach of any provision of this
Agreement by any other party shall not operate or be construed as a waiver of
any subsequent breach.

     13.  NOTICES.
          ------- 

     Any notice or other communication required or permitted to be given
hereunder shall be  determined to have been duly given to any party (a) upon
delivery to the address of such party specified on the signature page hereof if
delivered personally or by courier; (b) upon dispatch if transmitted by telecopy
or other means of facsimile, provided a copy thereof is also sent by regular
mail or courier; or (c) within forty-eight (48) hours after deposit thereof in
the U.S. mail, postage prepaid, for delivery as certified mail, return receipt
requested, addressed, in any case to the party at the address(es) or telecopy
numbers set forth on the signature page hereof or to such other address(es) or
telecopy number(s) as any party may designate by Written Notice in the aforesaid
manner.

     14.  GOVERNING LAW.
          ------------- 

     This Agreement shall be governed by, and interpreted, construed and
enforced in accordance with, the laws of the State of Illinois.

     15.  GENDER AND NUMBER.
          ----------------- 

     Wherever from the context it appears appropriate, each term stated in
either the singular of plural shall include the singular and the plural, and the
pronouns stated in either the masculine, the feminine or the neuter gender shall
include the masculine, feminine or neuter.

     16.  HEADINGS.
          -------- 

     The headings of the Sections of this Agreement are for reference purposes
only and do not define or limit, and shall not be used to interpret or construe
the contents of this Agreement.

                          [SIGNATURE PAGE TO FOLLOW]

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     IN WITNESS WHEREOF, the parties have caused this Agreement to be duly
executed at Chicago, Illinois, on the date above set forth.
 
                              MAF BANCORP, INC.


                              By:  /s/ Jerry Weberling        
                                   ---------------------------------------------
                              Its: Executive Vice President and Chief Financial
                                   ---------------------------------------------
                                   Officer 
                                   -------

                              MID AMERICA BANK, FSB


                              By:  /s/ Jerry Weberling
                                   --------------------------------------------
                              Its: Executive Vice President and Chief Financial
                                   --------------------------------------------
                                   Officer
                                   -------

                              EXECUTIVE


                              /s/ Richard A. Brechlin
                              --------------------------------------------------
                              Richard A. Brechlin


Monthly amount payable under Paragraph 7:  $6,500