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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(D) OF
THE SECURITIES EXCHANGE ACT OF 1934
Date of Report (Date of earliest event reported) November 4, 2005
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EFC BANCORP, INC.
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(Exact name of registrant as specified in its charter)
Delaware 1-13605 36-4193304
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(State or other (Commission File Number) (IRS Employer
jurisdiction of Identification No.)
incorporation)
1695 Larkin Avenue, Elgin, Illinois 60123
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (847) 741-3900
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Not Applicable
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(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:
[ ] Written communications pursuant to Rule 425 under the Securities Act
(17 CFR 230.425)
[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act
(17 CFR 240.14a-12)
[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
Exchange Act (17 CFR 240.14d-2(b))
[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the
Exchange Act (17 CFR 240.13e-4(c))
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ITEM 5.04 TEMPORARY SUSPENSION OF TRADING UNDER REGISTRANT'S EMPLOYEE BENEFIT
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PLANS.
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This Form 8-K is being filed to provide notice of a blackout period
under the Elgin Financial Center, SB 401(k) Employee Benefit Plan and Trust (the
"Plan"). On November 4, 2005, we provided notice to our directors, executive
officers and employees of the blackout, which will suspend trading in the Plan's
EFC Bancorp, Inc. Stock Fund for administrative purposes to allow the Plan's
recordkeeper to process merger consideration election forms in connection with
the proposed merger of EFC Bancorp, Inc. with and into MAF Bancorp, Inc. The
blackout period will begin December 5, 2005 and is expected to end on January 5,
2006. The notice being sent to our Section 16 insiders is being filed as Exhibit
99.1 to this Form 8-K and is incorporated by reference into this Item.
ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS.
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(a) Financial Statements of Businesses Acquired: Not applicable
(b) Pro Forma Financial Information: Not applicable
(c) Exhibits
Number Description
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99.1 Notice sent to directors and executive officers of EFC
Bancorp, Inc. on November 4, 2005
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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.
Dated: November 7, 2005 By:/s/ Eric J. Wedeen
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Eric J. Wedeen
Chief Financial Officer and
Senior Vice President