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                                                                  EXHIBIT 10(ii)

                               AMENDMENT TO THE
                               MAF BANCORP, INC.
                       1990 INCENTIVE STOCK OPTION PLAN
                       --------------------------------

The MAF Bancorp, Inc. 1990 Incentive Stock Option Plan is hereby amended as
follows:

1.   Section 7.1(a) is amended to read:

     (a)  Price.  The purchase price per share of Common Stock deliverable upon
     the exercise of each Non-statutory Stock Option shall not be less than 100%
     of the Fair Market Value of the Common Stock on the date the option is
     granted. Shares may be purchased only upon full payment of the purchase
     price. Payment of the purchase price may be made, in whole or in part, in
     cash or through the surrender of shares of the Common Stock at the Fair
     Market Value of such shares determined in the manner described in Section
     2(h).

          As soon as practicable after receipt of full payment, the Holding
Company shall deliver to the Participant a certificate or certificates
representing acquired shares of Common Stock.

          Notwithstanding the foregoing, if the Option price payable with
respect to the exercise of any Options by a Participant who has a deferral
election in effect under the Holding Company's Stock Option Gain Deferral Plan
(the "Gain Deferral Plan") is paid solely by surrendering Common Stock (which
meets the requirements set forth in the Gain Deferral Plan), the Holding Company
shall deliver to the trustee of the trust established under the Gain Deferral
Plan, a certificate or certificates representing such number of shares of Common
Stock determined by dividing (i) the excess of (A) the Fair Market Value of the
shares of Common Stock purchased pursuant to such Option exercise, over (B) the
aggregate exercise price of the shares of Stock purchased, by (ii) the Fair
Market Value of one share of Common Stock. In addition, as soon as practicable
after receipt of the shares of Common Stock representing the Option exercise
price, the Holding Company shall deliver to the Participant a certificate or
certificates representing shares with a Fair Market Value equal to the aggregate
Option exercise price paid. For purposes of the foregoing, the exercise of any
Option will be deemed to have occurred at 5:00 p.m. Central Daylight Time on the
immediately preceding business day and Fair Market Value shall be determined as
of such time.

2.   Section 14 is amended in its entirety to read:

     14.  Tax Withholding.  The Holding Company may withhold, at the election of
     the Participant, from Common Stock to be issued or cash to be paid under
     the Plan, the number of shares of Common Stock having a Fair Market Value
     equal to, or cash in the amount of, or a combination of shares and cash
     equal to, the amount of tax required by any governmental authority to be
     withheld to cover any applicable

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     withholding and employment taxes; provided, however, that in the event a
     deferral election is in effect with respect to the shares of Common Stock
     deliverable upon exercise of an Option, then the Participant may elect to
     have any such withholding made from the Common Stock tendered to exercise
     such Option. Alternatively, a Participant may pay to the Holding Company
     the amount of cash required to be withheld in lieu of any withholding of
     distribution under the Plan.

                                   * * * * *

     In accordance with authorizations and directions of the Board of Directors
of MAF Bancorp, Inc., the foregoing Amendment to the MAF Bancorp, Inc. 1990
Incentive Stock Option Plan is hereby adopted effective as of June 22, 1999, by
the undersigned duly authorized officers.


                              /s/ Allen Koranda
                              ------------------------------------
                              Chairman and Chief Executive Officer


/s/ Carolyn Pihera
----------------------
      Secretary

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