UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                  SCHEDULE 13G

                    Under the Securities Exchange Act of 1934

                               (Amendment _____)*


                            BankFinancial Corporation

                                (Name of Issuer)


                     Common Stock, $0.01 par value per share
                     ---------------------------------------
                         (Title of Class of Securities)

                                   06643P 10 4
                                  -------------
                                 (CUSIP Number)

                                December 31, 2005
                                -----------------
             (Date of Event Which Requires Filing of This Statement)

     Check the  appropriate  box to  designate  the rule  pursuant to which this
Schedule is filed:



[X]                 Rule 13d-1(b)

[ ]                 Rule 13d-1(c)

[ ]                 Rule 13d-1(d)

*The  remainder of this cover page shall be filled out for a reporting  person's
initial filing on this form with respect to the subject class of securities, and
for any  subsequent  amendment  containing  information  which  would  alter the
disclosures provided in a prior cover page.

The information required in the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the  Securities  Exchange  Act of
1934 ("Act") or otherwise  subject to the liabilities of that section of the Act
but  shall be  subject  to all other  provisions  of the Act  (however,  see the
Notes).

                               Page 1 of 5 Pages







CUSIP NO.06643P 10 4                 13G                       Page 2 of 5 Pages


================================================================================

1        Names of Reporting Persons
         I.R.S. Identification Nos. of above persons (entities only)

                    BankFinancial, F.S.B.
                    Employee Stock Ownership Plan Trust

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--------------------------------------------------------------------------------

2        Check the Appropriate Box if a Member of a Group (See Instructions)
         (a)      __________
         (b)      ____x_____

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3        SEC Use Only

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4        Citizenship or Place of Organization
                    Illinois
--------------------------------------------------------------------------------
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    Number of Shares      5     Sole Voting Power
 Beneficially Owned by
 Each Reporting Person                1,908,367
         With:
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------

                          6     Shared Voting Power

                                      48,933
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--------------------------------------------------------------------------------

                          7     Sole Dispositive Power

                                      1,957,300
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------

                          8     Shared Dispositive Power

                                      0
--------------------------------------------------------------------------------
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9        Aggregate Amount Beneficially Owned by Each Reporting Person

                    1,957,300
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------

10       Check if the Aggregate Amount in Row (9) Excludes Certain Shares
         (See Instructions)

          N/A
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--------------------------------------------------------------------------------

11       Percent of Class Represented by Amount in Row 9

         8% of 24,466,250 shares of Common Stock outstanding as of
         December 31, 2005.
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------

12       Type of Reporting Person (See Instructions)

                    EP
================================================================================



CUSIP NO.   06643P 10 4           13G                         Page 3 of 5 Pages


Item 1
         (a)      Name of Issuer

                  BankFinancial Corporation

         (b)      Address of Issuer's Principal Executive Offices

                  15W060 North Frontage Road
                  Burr Ridge, Illinois 60527

Item 2
         (a)      Name of Person Filing

                  BankFinancial, F.S.B.
                  Employee Stock Ownership Plan Trust
                  Trustee: First Bankers Trust Services, Inc.

          (b)     Address of Principal Business Office

                  2321 Kochs Lane
                  P.O. Box 4005
                  Quincy, IL 62305

         (c)      Citizenship or Place of Organization

                  Illinois

         (d)      Title of Class of Securities

                  Common Stock, par value $0.01 per share

         (e)      CUSIP Number

                  06643P 10 4

Item 3.           If this statement is filed  pursuant to  ss.ss.240.13d-1(b) or
                  240.13d-2(b, or (c), check whether the person filing is a:

                    (f) [X] An  employee  benefit  plan  or  endowment  fund  in
               accordance with ss.240.13d-1(b)(1)(ii)(F).

Item 4.           Ownership

                    Provide the  following  information  regarding the aggregate
                    number  and  percentage  of the class of  securities  of the
                    issuer identified in Item 1.

                  (a) Amount beneficially owned: 1,957,300.
                  (b) Percent of class: 8.





CUSIP NO. 06643P 10 4                    13G                   Page 4 of 5 Pages


                 (c) Number of shares as to which the person has:

                     (i)  Sole power to vote or to direct the vote 1,908,367.
                     (ii) Shared power to vote or to direct the
                           vote 48,933.
                     (iii) Sole power to dispose or to direct the disposition of
                           1,957,300.
                     (iv)  Shared power to dispose or to direct the
                           disposition of 0.


Item 5.          Ownership of Five Percent or Less of a Class

                 Not applicable

Item 6.          Ownership of More Than Five Percent on Behalf of Another Person

                 Not applicable

Item 7.          Identification  and  Classification  of the  Subsidiary  Which
                 Acquired the Security Being Reported on by the Parent
                 Holding Company

                 Not applicable

Item 8.          Identification and Classification of Members of the Group

                        The  reporting  person  is  an  employee  benefit  plan
                   subject to the provisions of the Employee  Retirement Income
                   Security Act of 1974.

Item 9.          Notice of Dissolution of Group

                 Not applicable

Item 10. Certification

                        By  signing  below I  certify  that,  to the best of my
                   knowledge and belief, the securities  referred to above were
                   acquired and are held in the ordinary course of business and
                   were not  acquired  and are not held for the  purpose  of or
                   with the effect of  changing or  influencing  the control of
                   the  issuer  of the  securities  and  were not  acquired  in
                   connection  with  or as a  participant  in  any  transaction
                   having that purpose or effect.





CUSIP NO. 06643P 10 4                                          Page 5 of 5 Pages




                                    SIGNATURE


     After  reasonable  inquiry and to the best of my  knowledge  and belief,  I
certify that the information  set forth in this statement is true,  complete and
correct.



Date: February 10, 2006                      BANKFINANCIAL, F.S.B.
                                             EMPLOYEE STOCK
                                             OWNERSHIP PLAN TRUST

                                         By: First Bankers Trust Services, Inc.,
                                             as Trustee


                                             /s/ Linda J. Shultz
                                             -----------------------------------
                                             Name: Linda J. Shultz
                                             Title:  Trust Officer