-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 LeXZ/Bo7IIp1xHmVHzJheEHc/Bi/oNk9G3DtbxCw7Hs4qfxNkqMi7hhC12CqhI1e
 JSDQCx2trrz4/YPDk61Fyg==

<SEC-DOCUMENT>0001181431-06-009951.txt : 20060209
<SEC-HEADER>0001181431-06-009951.hdr.sgml : 20060209
<ACCEPTANCE-DATETIME>20060209161912
ACCESSION NUMBER:		0001181431-06-009951
CONFORMED SUBMISSION TYPE:	5
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20051231
FILED AS OF DATE:		20060209
DATE AS OF CHANGE:		20060209

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			CLOSS WILLIE T JR
		CENTRAL INDEX KEY:			0001225223

	FILING VALUES:
		FORM TYPE:		5
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-27307
		FILM NUMBER:		06593302

	MAIL ADDRESS:	
		STREET 1:		411 W CHAPEL HILL ST
		CITY:			DURHAM
		STATE:			NC
		ZIP:			27701

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>rrd107278.xml
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>5</documentType>

    <periodOfReport>2005-12-31</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>0001225223</rptOwnerCik>
            <rptOwnerName>CLOSS WILLIE T JR</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>411 WEST CHAPEL HILL STREET</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>DURHAM</rptOwnerCity>
            <rptOwnerState>NC</rptOwnerState>
            <rptOwnerZipCode>27701</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionCoding>
                <transactionFormType>3</transactionFormType>
            </transactionCoding>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>400</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <ownerSignature>
        <signatureName>/s/ Willie T. Closs Jr.</signatureName>
        <signatureDate>2006-02-09</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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