-----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,
 CZBa0os/OCH2YxmEeDRs6ws+mllGMnM5WmH+PNozMTFMUHke58RrCGOQdII/Ccot
 UattuNfxfCMegiAs0ji3pA==

<SEC-DOCUMENT>9999999995-08-000539.txt : 20080214
<SEC-HEADER>9999999995-08-000539.hdr.sgml : 20080214
<ACCEPTANCE-DATETIME>20080214001516
ACCESSION NUMBER:		9999999995-08-000539
CONFORMED SUBMISSION TYPE:	EFFECT
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20080213
DATE AS OF CHANGE:		20080214
EFFECTIVENESS DATE:		20080213

FILER:

	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

	FILING VALUES:
		FORM TYPE:		EFFECT
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-148452
		FILM NUMBER:		08607809

	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>EFFECT
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
<XML>
<?xml version="1.0"?>
<edgarSubmission>

    <schemaVersion>X0101</schemaVersion>

    <submissionType>EFFECT</submissionType>

    <act>33</act>

    <testOrLive>LIVE</testOrLive>

    <effectiveData>
        <finalEffectivenessDispDate>2008-02-13</finalEffectivenessDispDate>
        <finalEffectivenessDispTime>15:00:00</finalEffectivenessDispTime>
        <form>S-4</form>
        <filer>
            <cik>0001094738</cik>
            <entityName>M&amp;F BANCORP INC /NC/</entityName>
            <fileNumber>333-148452</fileNumber>
        </filer>
    </effectiveData>
</edgarSubmission>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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