M&F BANCORP INC /NC/ - Recent Material Event

Item 8.01.

ITEM 9.01--FINANCIAL STATEMENTS AND EXHIBITS

(C)    Exhibits

The following exhibit is filed herewith:

EXHIBIT NO.        DESCRIPTION OF EXHIBIT
99.1            Press Release dated December 18, 2012

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.

M&F BANCORP, INC.

By:        /s/ Kim D. Saunders
Kim D. Saunders
President and Chief Executive Officer

Dated        December 18, 2012

EXHIBIT INDEX

EXHIBIT NO.        DESCRIPTION OF EXHIBIT
99.1            Press Release dated December 18, 2012