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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 T4fLQQsKyL9duHrG5H1ZhlMPTQYMImWjK3p+vvfwlzrI5oxntUIdSHEKI6KRWWoK
 bScbrnpf2dVCgwf5FQCOng==

<SEC-DOCUMENT>0001181431-05-005578.txt : 20050131
<SEC-HEADER>0001181431-05-005578.hdr.sgml : 20050131
<ACCEPTANCE-DATETIME>20050131085949
ACCESSION NUMBER:		0001181431-05-005578
CONFORMED SUBMISSION TYPE:	5
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20041231
FILED AS OF DATE:		20050131
DATE AS OF CHANGE:		20050131

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			BECOTE FOHLIETTE W
		CENTRAL INDEX KEY:			0001223089

	FILING VALUES:
		FORM TYPE:		5
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-27307
		FILM NUMBER:		05559974

	BUSINESS ADDRESS:	
		STREET 1:		C/O M&F BANCORP
		STREET 2:		2634 CHAPEL HILL BLVD
		CITY:			DURHAM
		STATE:			NC
		ZIP:			27702-3221

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			M&F BANCORP INC /NC/
		CENTRAL INDEX KEY:			0001094738
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				561980549
		STATE OF INCORPORATION:			NC
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		2634 CHAPTEL HILL BLVD
		STREET 2:		PO BOX 19322
		CITY:			DURHAM
		STATE:			NC
		ZIP:			27702-3221
		BUSINESS PHONE:		9196831521

	MAIL ADDRESS:	
		STREET 1:		2634 CHAPTEL HILL BLVD
		STREET 2:		PO BOX 19322
		CITY:			DURHAM
		STATE:			NC
		ZIP:			27701-3221
</SEC-HEADER>
<DOCUMENT>
<TYPE>5
<SEQUENCE>1
<FILENAME>rrd66571.xml
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>5</documentType>

    <periodOfReport>2004-12-31</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <form3HoldingsReported>1</form3HoldingsReported>

    <form4TransactionsReported>0</form4TransactionsReported>

    <issuer>
        <issuerCik>0001094738</issuerCik>
        <issuerName>M&amp;F BANCORP INC /NC/</issuerName>
        <issuerTradingSymbol>MFBP</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001223089</rptOwnerCik>
            <rptOwnerName>BECOTE FOHLIETTE W</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>2634 DURHAM-CHAPEL HILL BLVD</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>DURHAM</rptOwnerCity>
            <rptOwnerState>NC</rptOwnerState>
            <rptOwnerZipCode>27707</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Secretary/Treasurer</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionCoding>
                <transactionFormType>3</transactionFormType>
            </transactionCoding>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>750</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <ownerSignature>
        <signatureName>Fohliette W. Becote</signatureName>
        <signatureDate>2005-01-31</signatureDate>
    </ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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