EXHIBIT 10.1

[James Eckel]

MID AMERICA BANK, FSB

AMENDED AND RESTATED
EMPLOYMENT AGREEMENT

This
AGREEMENT, is made effective as of December 1, 2003 (Effective Date), by
and between Mid America Bank, fsb (the Bank), and James Eckel
(Executive) and is amended and restated effective as of March 22, 2005.

WHEREAS,
St. Francis has merged with and into MAF Bancorp, Inc., a Delaware corporation (the
Company) and the St. Francis Subsidiary has become a wholly-owned subsidiary
of the Company through a merger with the Bank; and

WHEREAS,
the Bank desires to provide for the employment of the Executive by the Bank following the
Merger and the termination of his employment agreements with St. Francis and the St.
Francis Subsidiary (such agreements, as amended, the St. Francis Employment
Agreements); and

WHEREAS,
 the  Executive  is willing to commit  himself  to serving  the Bank on the terms and
 conditions herein provided;

NOW,
THEREFORE, in consideration of the mutual covenants herein contained, and upon the other
terms and conditions hereinafter provided, the parties hereby agree as follows:

| | 1.              POSITION
AND RESPONSIBILITIES.
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| | (a)                        Executive
shall be employed as Senior Vice President-Marketing of the Company           and the
Bank. The Executive shall report to the Chief Executive Officer or Chief
          Operating Officer of the Bank. The Executives duties and responsibilities
          shall consist of such duties and responsibilities as may from time to time be
          assigned to the Executive by the Chief Executive Officer or Chief Operating
          Officer of the Bank, which duties and responsibilities shall be duties
customary           for a Senior Vice President-Marketing. The Executive shall devote
substantially           all of his business time, attention, skill and efforts to the
faithful           performance of his duties hereunder including activities and services
related to           the organization, operation and management of the Bank.
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| | 2.              PERIOD
OF EMPLOYMENT. Subject to earlier termination pursuant to           Section 4
below, the period of the Executives employment under this           Agreement (the
Period of Employment) shall commence upon the           Effective Date hereof
and shall continue for a period of thirty-six (36) full           calendar months
thereafter at which time it is expected that Executive will
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| | continue to be
employed by the Bank but not be a party to an Employment           Agreement. In this
regard, the Board of Directors of the Company and Bank will           review the
Agreement and the Executives performance annually for purposes           of
determining whether to extend the Agreement, and the results thereof shall be
          included in the minutes of the Boards meeting.
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| | 3.              COMPENSATION
AND REIMBURSEMENT.
| | -----------------------------------------------

| | (a)              Salary.
During the Period of Employment, the Bank shall pay the Executive           the
compensation specified in this Agreement for the services performed           hereunder.
The Bank shall pay the Executive as compensation a base salary           (Base
Salary) of $157,500 per year. Subject to approval of the
          Administrative/Compensation Committee of the Board of Directors of the Company,
          the Bank may increase (but not decrease) Executives base salary, but any
          such increase shall not be deemed a change to Base Salary for purposes of
          Section 4(c) hereof.
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| | (b)              Bonuses.
During the period covered by this agreement, Executive shall be           eligible for
bonus or incentive compensation as determined by the Senior Vice           President of
Retail Banking of the Bank and the Compensation Committee of the           Board of
Directors in its sole discretion.
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| | (c)              Vacation;
Fringe Benefits. During the Period of Employment, the Executive           shall be
entitled to a paid vacation, periods of absence occasioned by illness           and
reasonable leaves of absence, in each instance in accordance with Bank           policies
applicable to the Banks comparable executives (Comparable           Executives).
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| | (d)              Benefit
Plans. During the Period of Employment, the Executive shall be           eligible to
participate in or receive benefits under any employee benefit plans           of the Bank
applicable to employees generally, including, but not limited to,           profit
sharing and 401(k) plans, employee stock ownership (ESOP) plans,
          health-and-accident plans, medical coverage or any other employee benefit plans
          or arrangements, subject to and on a basis consistent with the terms,
conditions           and overall administration of such plans and arrangements.
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| | 4.              TERMINATION;
NOTICE.
| | ------------------------------------

| | (a)                        The
Bank may terminate the Executives employment with the Bank at any           time,
with or without Cause. The Executive may terminate his employment with the           Bank
at any time for any reason.
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| | (b)                        As
used in this Agreement, an Event of Termination shall mean:
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| | (i)       
               the termination by the Bank of the Executives full-time employment
               hereunder for any reason other than for Cause, death or Disability, or
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| | (ii)       
               the voluntary termination by the Executive of employment with the Bank following
               a substantial breach of this Agreement by the Bank which breach is not cured by
               the Bank within thirty (30) days following the date the Executive gives written
               Notice of Termination indicating the Executives intention to voluntarily
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| | terminate employment as a result thereof. For purposes of this section,
               substantial breach by the Bank shall include, but not be limited to,
               either of the following events:
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| | (1)       
               a reduction by the Bank in the Executives Base Salary or failure to pay or
               provide the compensation described in paragraphs 3(c) and (d) above, in either
               case without the Executives written consent; or
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| | (2)       
               the Bank requires the Executives principal office location to be outside
               of the Milwaukee, Wisconsin metropolitan area, without Executives written
               consent and exclusive of required business travel, except that the Bank may
               require the Executive to spend three days a week located at the corporate
               offices in Downers Grove, Illinois or executive offices in Clarendon Hills,
               Illinois.
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| | (c)                        Following
the occurrence of an Event of Termination, the Bank shall continue to           pay to
the Executive, or, in the event of his subsequent death, his beneficiary           or
beneficiaries, or his estate, as the case may be, as liquidated damages, the
          Base Salary described in paragraph 3(a) above and to continue the medical
          and dental insurance benefits otherwise provided hereunder (provided Executive
          pays the applicable COBRA premium for such coverage) for a period that shall
          extend through the 36 months following the Effective Date, in exchange for such
          payments and benefits the Executive (or his beneficiary in the event of his
          death) shall execute and deliver to the Bank a release and settlement agreement
          pursuant to which the Executive shall waive any and all claims resulting from
          employment at or termination from the Bank other than payments or benefits
which           are expressly provided for in this Agreement or are provided for in the
          Statement of Benefits entered into by Executive, the Company, Bank, St. Francis
          and the St. Francis Subsidiary in connection with the merger. The Executive
          shall take reasonable steps to obtain employment and thereby mitigate the
amount           of liquidated damages due under this paragraph 4(c) (except in the case
of           Disability); provided, however, that the Executive shall not be required to
          accept a position other than one within a 35 mile radius of the City of
          Milwaukee, Wisconsin. If, during any portion of the period during which payment
          of liquidated damages in the form of Base Salary is continuing to the Executive
          pursuant to this paragraph 4(c) Executive shall receive earned income within
the           meaning of Section 911(d)(2)(A) of the Code, the aggregate amount of
liquidated           damages to be paid or provided under paragraph 4(c) of this
Agreement shall be           correspondingly reduced by the amount of such earned income
(other than earned           income received from the Company or any of its
subsidiaries), and if necessary,           liquidated damages payments returned to the
Company.
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| | (d)                        The
term for Cause shall mean termination because of the           Executives
personal dishonesty, incompetence, willful misconduct, any           breach of fiduciary
duty involving personal profit, intentional failure to           perform stated duties,
willful violation of any law, rule, or regulation (other           than traffic
violations or similar offenses) or final cease-and-desist order, or           material
breach of any provision of this Agreement. In determining incompetence,           the
acts or omissions shall be measured against standards generally prevailing           in
the savings institution industry.
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| | (e)                        The
term Disability shall mean the Executives absence from his
          duties on a full-time basis for six (6) consecutive months as a result of
          his incapacity due to physical
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| | or mental illness and his failure to return to
          full-time performance of his duties within thirty (30) days after written
          notice of potential termination is given to Executive by the Company or Bank.
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| | (f)                        Any
termination by the Bank or by Executive shall be communicated by Notice of
          Termination to the other party hereto and the termination shall become
effective           as of the Date of Termination with respect thereto. For
purposes of           this Agreement, a Notice of Termination shall mean a
written notice           which shall indicate the specific termination provision in this
Agreement relied           upon and shall set forth in detail the facts and circumstances
claimed to           provide a basis for the termination. The Date of Termination shall
          be:
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| | (i)       
               thirty (30) days after the Notice of Termination is given if the Notice of
               Termination is given by the Bank without Cause or due to Disability, or by the
               Executive in the absence of a substantial breach of the Agreement; or
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| | (ii)       
               the date the Notice of Termination is given if the termination is by the Bank
               for Cause; or
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| | (iii)       
               thirty (30) days after the Notice of Termination is given if the Notice of
               Termination is given in connection with a substantial breach of the Agreement by
               the Bank and such breach is not cured within such thirty (30) day period.
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| | 5.              CONFIDENTIALITY
AND NON-SOLICITATION.
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| | (a)                        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 5). Executive further acknowledges that unauthorized           disclosure or
use of such Confidential Information, other than in discharge of           Executives
duties, will cause Company or its affiliates (which include the           Bank)
irreparable harm.
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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
Purchaser 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 Company 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:
(i) has not been made generally available to the public; and (ii) is useful or
of value to the current or anticipated business, or research or development activities of
Company or its affiliates; or (iii) has been identified to Executive as confidential
by Company or its affiliates, either orally or in writing.

Except
in the course of his employment and in the pursuit of the business of Company 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 Company or its affiliates.

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Executive
acknowledges that as to certain aspects of its business, Company and its affiliates
operate and compete throughout the Chicagoland and Milwaukee areas and that Company 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.

| | (b)                        During
the Period of Employment and for a period of twelve (12) months
          thereafter, Executive will not directly or indirectly solicit, induce or
          encourage any person or entity who, as of the date immediately preceding the
          date of the termination of Executives employment, is an employee or
          customer of the Company or any of its affiliates, to terminate his or her or
its           relationship with Company or its affiliates.
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| | (c)                        Executive
acknowledges that the restraints and agreements herein provided are           fair and
reasonable, that enforcement of the provisions of this Section 5 will           not cause
him undue hardship and that said provisions are reasonably necessary           and
commensurate with the need to protect the Company or its affiliates and its
          legitimate and proprietary business interests and property from irreparable
          harm.
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Executive
acknowledges that failure to comply with the terms of this Agreement will cause
irreparable damage to the Company or its affiliates. Therefore, Executive agrees that, in
addition to any other remedies at law or in equity available to the Company or its
affiliates for Executives breach (other than an inadvertent breach which is promptly
cured upon notice from the Company) or threatened breach of this Agreement, the Company 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 Purchaser will not constitute a defense
thereto. Executive further agrees to pay reasonable attorney fees and costs of litigation
incurred by the Company or its affiliates in any proceeding relating to the enforcement of
the Agreement or to any alleged breach (other than an inadvertent breach which is promptly
cured upon notice from the Company) thereof in which the Company or its affiliates prevail
in full as determined by a final order entered in such action.

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 twelve month period described in paragraph 5(b)
above (but not of Executives obligation thereunder), shall be tolled during the
period of the continuance of any actual breach or violation.

| | 6.              EFFECT
ON PRIOR AGREEMENTS. This Agreement contains the entire           understanding
between the parties hereto and supersedes any prior employment or           severance
compensation agreements between Executive and St. Francis or St.           Francis Bank.
This Agreement shall not, however, alter or supercede any stock           option
agreements or the Statement of Benefits described in paragraph 4(c)           between St.
Francis and/or St. Francis Bank and Executive as in effect           immediately
following the Merger.
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| | 7.              MODIFICATION
AND WAIVER. This Agreement may not be modified or amended           except by an
instrument in writing signed by the parties hereto. No term or           condition of
this Agreement shall be deemed to have been waived, nor shall there           be any
estoppel against the enforcement of any provision of this Agreement,           except by
written instrument of the party charged with such waiver or estoppel.           No such
written waiver shall be deemed a continuing
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| | waiver unless specifically           stated
therein, and each such waiver shall operate only as to the specific term           or
condition waived and shall not constitute a waiver of such term or condition
          for the future as to any act other than that specifically waived.
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| | 8.              TAX
WITHHOLDING. The Bank may withhold from any amounts payable to the
          Executive under this Agreement all applicable Federal, State, local or other
          withholding taxes. In the event the Bank fails to withhold such sums for any
          reason, it may require the Executive to promptly remit to it sufficient cash to
          satisfy all applicable income and employment withholding taxes.
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| | 9.              ARBITRATION.
Except as expressly set forth elsewhere in this Agreement,           it is mutually
agreed between the parties that arbitration shall be the sole and           exclusive
remedy to redress any dispute, claim or controversy (hereinafter           referred to as
grievance) involving the interpretation of this           Agreement or the
terms or conditions of this Agreement or the terms, conditions           or termination
of the Executives employment with the Company or Bank. It           is the
intention of the parties that the arbitration award shall be final and           binding
and that a judgment on the award may be entered in any court of           competent
jurisdiction and enforcement may be had according to its terms.           Arbitration
shall be initiated by one party filing a written demand on the other           party. Any
demand for arbitration by the Executive shall be made within           20 days after
receipt of the Notice of Termination. The arbitrator shall be           chosen in
accordance with the voluntary labor arbitration rules of the American
          Arbitration Association. The place of the arbitration shall be the offices of
          the American Arbitration Association in Chicago, Illinois. The arbitrator shall
          not have jurisdiction or authority to change any of the provisions of this
          Agreement but shall interpret or apply any clause or clauses of this Agreement.
          The arbitrator shall have the power to compel the attendance of witnesses at
the           hearing. The parties stipulate that the provisions hereof, and the decision
of           the arbitrator with respect to any grievance, shall be the sole and
exclusive           remedy for any alleged breach of the employment relationship and in
such event           the Company or Bank shall be entitled to seek relief in any court
having           jurisdiction thereof. The parties hereby acknowledge that subject to the
          foregoing exception, neither party has the right to resort to any federal,
state           or local court or administrative agency concerning breaches of this
Agreement           and that the decision of the arbitrator shall be a complete defense
to any suit,           action or proceeding instituted in any federal, state or local
court or before           any administration agency with respect to any grievance which
is arbitrable as           herein set forth. The arbitration provisions hereof shall,
with respect to any           grievance, survive the termination or expiration of the
Executives           employment under this Agreement.
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| | 10.              REQUIRED
REGULATORY PROVISIONS
| | -----------------------------------------------

| | (a)                        If
Executive is suspended and/or temporarily prohibited from participating in           the
conduct of the Companys or Banks affairs by a notice served           under
section 8(e)(3), or section 8(g)(1), of the Federal Deposit Insurance Act           [12
U.S.C. §1818(e)(3) and (g) (1)], the Companys or Banks
          obligations under the Agreement shall be suspended as of the date of service of
          the notice unless stayed by appropriate proceedings. If the charges in the
          notice are dismissed, the Company or Bank shall (i) pay Executive all of the
          compensation withheld while their obligations under this Agreement were
          suspended, and (ii) reinstate such obligations as were suspended.
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| | (b)                        If
Executive is removed and/or permanently prohibited from participating in the
          conduct of the Companys or Banks affairs by an order issued under
          section 8(e)(4) or section 8(g)(1) of the Federal Deposit Insurance Act [12
          U.S.C. §1818(e)(4) or (g) (1)], the obligations of the Company or Bank
          under the Agreement shall terminate as of the effective date of the order, but
          vested rights of the contracting parties shall not be affected.
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| | (c)                        If
the Bank is in default as defined in section 3(x)(1) of the Federal Deposit
          Insurance Act [12 U.S.C. 1813(x)(1)], all obligations under the Agreement shall
          terminate as of the date of default, but this paragraph shall not affect any
          vested rights of the Executive.
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| | (d)                        All
obligations under the Agreement shall be terminated, except to the extent
          continuation of the contract is necessary for the Companys and Banks
          continued operations (i) by the FDIC at the time the FDIC enters into an
          agreement to provide assistance to or on behalf of the Company or Bank under
the           authority of section 13(c) of the Federal Deposit Insurance Act; or (ii) by
the           OTS upon approval of a supervisory merger to resolve problems related to
          operation of the Company or Bank or when the Company or Bank are determined by
          the OTS to be in an unsafe or unsound condition. Any rights of the parties
          already vested, however, shall not be affected by such action.
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| | (e)                     Any
payments made to the Executive pursuant to this Agreement, or otherwise, are
          subject to and conditioned upon compliance with 12 U.S.C. § 1828(k)
          and FDIC Regulation 12 CFR Part 359, Golden Parachute and
          Indemnification Payments.
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| | 11.        MISCELLANEOUS.
| | -------------------------

| | (a)                        If,
for any reason, any provision of this Agreement, or any part of any           provision,
is held invalid, such invalidity shall not affect any other provision           of this
Agreement or any part of such provision not held so invalid, and each           such
other provision and part thereof shall to the full extent consistent with           law
continue in full force and effect.
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| | (b)                        The
headings of sections and paragraphs herein are included solely for           convenience
of reference and shall not control the meaning or interpretation of           any of the
provisions of this Agreement.
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| | (c)                        To
the extent not preempted by Federal law, this Agreement shall be governed by
          and construed in accordance with the laws of the State of Illinois.
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| | (d)                        Notwithstanding
anything herein to the contrary, to the extent that any           compensation or
benefits are paid to or received by Executive from the Bank, the           Company or any
other subsidiary of the Company, such compensation or benefits           shall be deemed
to satisfy the Banks obligations hereunder.
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| | 12.              SUCCESSORS.
This Agreement shall be binding upon and inure to the benefit           of the Bank, and
its successors and Executive and his successors and assigns.           The Bank shall
require any successor or assignee, whether direct or indirect, by           purchase,
merger, consolidation or otherwise, expressly and unconditionally to           assume and
agree to perform the Banks
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| | obligations under this Agreement, in           the same
manner and to the same extent that the Bank would be required to           perform if no
such succession or assignment had taken place.
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IN
WITNESS WHEREOF, the Bank has caused this Agreement to be executed by its duly authorized
officer and the Executive has signed this Agreement, effective as of the date first
written above.

| |  | MID AMERICA BANK, FSBBY: /s/ Allen H. Koranda
Allen H. KorandaChairman and Chief Executive Officer  Executive:/s/ James Eckel James Eckel
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