-----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,
 JnZmDxBsJh7WSOR73cRmY8IFJK8WsjiXSt40p8lEAVYxC4vYhTqSu3zBsdqyNXKA
 n9BCoL8M3n70BjRAKv43WQ==

<SEC-DOCUMENT>0001181431-07-019979.txt : 20070319
<SEC-HEADER>0001181431-07-019979.hdr.sgml : 20070319
<ACCEPTANCE-DATETIME>20070319152637
ACCESSION NUMBER:		0001181431-07-019979
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20070226
FILED AS OF DATE:		20070319
DATE AS OF CHANGE:		20070319

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Saunders Kim D
		CENTRAL INDEX KEY:			0001393553

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-27307
		FILM NUMBER:		07703223

	BUSINESS ADDRESS:	
		BUSINESS PHONE:		919-683-1521

	MAIL ADDRESS:	
		STREET 1:		2634 DURHAM-CHAPEL HILL BLVD
		CITY:			DURHAM
		STATE:			NC
		ZIP:			27707

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>3
<SEQUENCE>1
<FILENAME>rrd151678.xml
<DESCRIPTION>3 - KIM D. SAUNDERS
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>3</documentType>

    <periodOfReport>2007-02-26</periodOfReport>

    <noSecuritiesOwned>1</noSecuritiesOwned>

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

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001393553</rptOwnerCik>
            <rptOwnerName>Saunders Kim D</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>President and CEO</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <ownerSignature>
        <signatureName>/s/ Kim D. Saunders</signatureName>
        <signatureDate>2007-03-19</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----