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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                   FORM 10-Q/A

[X]   QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES
      EXCHANGE ACT OF 1934

      FOR THE QUARTERLY PERIOD ENDED SEPTEMBER 30, 2003

[ ]   TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES
      EXCHANGE ACT OF 1934

      FOR THE TRANSITION PERIOD FROM _________________________ TO _____________

                         Commission File Number: 1-13605


                                EFC BANCORP, INC.
             (Exact name of registrant as specified in its charter)

       DELAWARE                                        36-4193304
(State or other jurisdiction of            (I.R.S. Employer Identification No.)
incorporation or organization)

1695 LARKIN AVENUE, ELGIN, ILLINOIS                               60123
    (Address of principal executive offices)                    (Zip Code)

                                 (847) 741-3900
              (Registrant's telephone number, including area code)

      Indicated by check mark whether the registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the
registrant was required to file such reports), and (2) has been subject to such
filing requirements for the past 90 days.
Yes   X       No
    ------       -----

      Indicate by check mark whether the registrant is an accelerated filer (as
defined in Rule 12b-2 of the Act).
  Yes            No    X
      -------       ------

                        APPLICABLE TO CORPORATE ISSUERS:

      Indicate the number of shares outstanding of each of the issuer's classes
common stock, as of the latest practicable date: 4,579,171 shares of common
stock, par value $0.01 per share, were outstanding as of November 12, 2003.

                                EXPLANATORY NOTE

      EFC Bancorp, Inc. is filing this amendment to its Quarterly Report on Form
10-Q, originally filed with the Securities and Exchange Commission on November
13, 2003, solely for the purpose of correcting the cover page of Form 10-Q to
indicate that EFC Bancorp, Inc. is not an accelerated filer (as defined in Rule
12b-2 of the Act).


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Item 6. Exhibits and Reports on Form 8-K.
        --------------------------------

      (a)   Exhibits
            3.1  Certificate of Incorporation of EFC Bancorp, Inc. (1)
            3.2  Bylaws of EFC Bancorp, Inc. (1)
            4.0  Specimen Stock Certificate of EFC Bancorp, Inc. (1)
            11.0 Statement re:  Computation of Per Share Earnings. (2)
            31.1 Certification of Chief Executive Officer pursuant to Section
                 302 of the Sarbanes-Oxley Act of 2002.
            31.2 Certification of Chief Financial Officer pursuant to Section
                 302 of the Sarbanes-Oxley Act of 2002.
            32.1 Certification of Chief Executive Officer and Chief Financial
                 Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant
                 to Section 906 of the Sarbanes-Oxley Act of 2002. (2)
      (b)   Reports on Form 8-K

            On July 31, 2003, the EFC Bancorp, Inc. furnished a Current Report
            on Form 8-K announcing its financial results for the quarter ended
            June 30, 2003.

            On August 8, 2003, the EFC Bancorp, Inc. furnished a Current Report
            on Form 8-K announcing that it has been named to the FSB 100.
            ---------------------------
            (1)   Incorporated herein by reference from the Exhibits filed with
                  the Registration Statement on Form S-1 and any amendments
                  thereto Registration Statement No. 333-38637 filed with the
                  Securities and Exchange Commission ("SEC") on October 24,
                  1997.
            (2)   Incorporated herein by reference from the Exhibits filed with
                  the Quarterly Report on Form 10-Q for the period ended
                  September 30, 2003, filed on November 13, 2003, File No.
                  001-13605.



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                                   SIGNATURES

      Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned, hereunto duly authorized.

                                EFC BANCORP, INC.


Date: January 15, 2004          By:/s/ Barrett J. O'Connor
                                   ---------------------------------------------
                                   Barrett J. O'Connor
                                   President and Chief Executive Officer
                                   (principal executive officer)