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<p ALIGN="CENTER">UNITED STATES<br>
SECURITIES AND EXCHANGE COMMISSION<br>
Washington, D.C. 20549<br>
</font>______________________________</p>
<p ALIGN="CENTER"><font FACE="Times New Roman Bold">FORM 8-K</p>
<p ALIGN="CENTER">CURRENT REPORT<br>
PURSUANT TO SECTION 13 OR 15(d) OF THE<br>
SECURITIES EXCHANGE ACT OF 1934</p>
</font>
<p ALIGN="CENTER">______________________________</p>
</b>
<p align="center">Date of report (Date of earliest event reported): October 31,
2002</p>
<b><font FACE="Times New Roman Bold">
<p ALIGN="CENTER">PFF BANCORP, INC.<br>
</font></b>(Exact name of registrant as specified in its charter)</p>
<div align="center">
  <center>
  <table border="0" width="75%">
    <tr>
      <td width="40%" align="center"><b>Delaware</b></td>
      <td width="2%" align="center"></td>
      <td width="27%" align="center"><b>0-27404</b></td>
      <td width="4%" align="center"></td>
      <td width="35%" align="center"><b>95-4561623</b></td>
    </tr>
    <tr>
      <td width="40%">
        <p align="center">(State or other jurisdiction of incorporation)</td>
      <td width="2%"></td>
      <td width="27%">
        <p align="center">(Commission File Number)</td>
      <td width="4%"></td>
      <td width="35%">
        <p align="center">(IRS Employer Identification No.)</td>
    </tr>
  </table>
  </center>
</div>
<p>&nbsp;</p>
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  <center>
  <table border="0" width="71%" height="74">
    <tr>
      <td width="57%" height="19"><font FACE="Times New Roman Bold"><b>350 South
        Garey Avenue</b></font></td>
      <td width="43%" height="19"></td>
    </tr>
    <tr>
      <td width="57%" height="18"><font FACE="Times New Roman Bold"><b>Pomona,
        CA</b></font></td>
      <td width="43%" height="18"><b>91766</b></td>
    </tr>
    <tr>
      <td width="57%" height="19">(Address of principal executive offices)</td>
      <td width="43%" height="19">&nbsp;(Zip Code)</td>
    </tr>
  </table>
  </center>
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<p align="center">Registrant's telephone number, including area code<b>: (909)
623-2323</p>
<p ALIGN="CENTER">Not Applicable<br>
</b>(Former name or former address, if changed since last report)</p>
<hr>
<p ALIGN="left"><b>Items 1 through 4. </b>Not applicable.</p>
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    <td width="13%" valign="top"><b>Item 5.</b></td>
    <td width="87%">On October 31, 2002, Mr. William T. Dingle, a director of
      PFF Bancorp, Inc. (the "Company"), retired from the Company's
      board of directors. Mr. Dingle's retirement is related to a &quot;Board
      of Directors Policy and Procedure Manual&quot; adopted by the Company's
      Board of Directors, which provides that directors of the Company must
      retire at the end of the month in which such individuals reach the age of
      75. Mr. Dingle turned the age of 75 on October 18, 2002, and therefore,
      retired as a director of the Company effective October 31, 2002. Mr.
      Dingle had served as a director of the Company since 1974.</td>
  </tr>
  <tr>
    <td width="13%"></td>
    <td width="87%">The Company also reports that Royce A. Stutzman was elected
      to the Company's Board of Directors on November 27, 2002. A Certified
      Valuation Analyst (CVA) and Certified Public Accountant, Stutzman is past
      Managing Partner and current Chairman of Vicenti, Lloyd &amp; Stutzman LLP,
      a well-known accounting firm in La Verne, California. He is also past
      Member and Chairman of the Board for the former First Federal Savings and
      Loan of the San Gabriel Valley.</td>
  </tr>
</table>
<b>
<table border="0" width="103%" height="144">
  <tr>
    <td width="7%" height="40" valign="middle"><b>Item 6.</b></td>
    <td width="4%" height="40"></td>
    <td width="67%" height="40" valign="middle">&nbsp;Not applicable.</td>
  </tr>
  <tr>
    <td width="7%" height="21"><b>Item 7.</b></td>
    <td width="4%" height="21"></td>
    <td width="67%" height="21"><b>Financial Statements and Exhibits</b></td>
  </tr>
  <tr>
    <td width="7%" height="21"></td>
    <td width="4%" height="21">(a)</td>
    <td width="67%" height="21">No financial statements are required to be filed
      with this report.</td>
  </tr>
  <tr>
    <td width="7%" height="21"></td>
    <td width="4%" height="21">(b)</td>
    <td width="67%" height="21">No pro forma financial information is required
      to be filed with this report.</td>
  </tr>
  <tr>
    <td width="7%" height="21"></td>
    <td width="4%" height="21">(c)</td>
    <td width="67%" height="21">Exhibits: None.</td>
  </tr>
</b>
</table>
<ol TYPE="a">
  <ol TYPE="a">
  </ol>
</ol>
<table border="0" width="100%">
  <tr>
    <td width="22%"><b>Items 8 through 9.</b></td>
    <td width="78%">Not applicable</td>
  </tr>
</table>
<b>
<hr>
<font FACE="Times New Roman Bold">
<p ALIGN="CENTER">SIGNATURES</p>
</font></b>
<blockquote>
  <p ALIGN="left">Pursuant to the requirements of the Securities Exchange Act of
  1934, the registrant has duly caused this report to be signed on its behalf by
  the undersigned hereunto duly authorized.</p>
  <table border="0" width="100%" height="173">
    <tr>
      <td width="48%" height="19"></td>
      <td width="52%" colspan="2" height="19"><b><font FACE="Times New Roman Bold">PFF
        BANCORP, INC.</font></b></td>
    </tr>
    <tr>
      <td width="48%" height="42"></td>
      <td width="9%" height="42" valign="bottom">By:</td>
      <td width="43%" height="42" valign="bottom"><u>/s/ GREGORY C. TALBOTT</u></td>
    </tr>
    <tr>
      <td width="48%" height="19"></td>
      <td width="9%" height="19"></td>
      <td width="43%" height="19">Gregory C. Talbott</td>
    </tr>
    <tr>
      <td width="48%" height="19"></td>
      <td width="9%" height="19"></td>
      <td width="43%" height="19">Executive Vice President and</td>
    </tr>
    <tr>
      <td width="48%" height="19"></td>
      <td width="9%" height="19"></td>
      <td width="43%" height="19">Chief Financial Officer</td>
    </tr>
    <tr>
      <td width="48%" height="19">Date: December 16, 2002</td>
      <td width="9%" height="19"></td>
      <td width="43%" height="19"></td>
    </tr>
  </table>
</blockquote>
<p>&nbsp;</p>

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{"company-data": {"conformed-name": "PFF BANCORP INC", "cik": "0001004969", "assigned-sic": "6035", "irs-number": "954561623", "state-of-incorporation": "DE", "fiscal-year-end": "0331"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "001-16845", "film-number": "02865931"}, "business-address": {"street1": "350 SOUTH GAREY AVENUE", "city": "POMONA", "state": "CA", "zip": "91766", "phone": "9096232323"}, "mail-address": {"street1": "350 SOUTH GAREY AVENUE", "city": "POMONA", "state": "CA", "zip": "91766"}}
4:
UNITED STATES
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
______________________________
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
______________________________
Date of report (Date of earliest event reported): October 31,
2002
PFF BANCORP, INC.
(Exact name of registrant as specified in its charter)
Delaware
0-27404
95-4561623
(State or other jurisdiction of incorporation)
(Commission File Number)
(IRS Employer Identification No.)
350 South
        Garey Avenue
Pomona,
        CA
91766
(Address of principal executive offices)
(Zip Code)
Registrant's telephone number, including area code
: (909)
623-2323
Not Applicable
(Former name or former address, if changed since last report)
Items 1 through 4.
Not applicable.
Item 5.
On October 31, 2002, Mr. William T. Dingle, a director of
      PFF Bancorp, Inc. (the "Company"), retired from the Company's
      board of directors. Mr. Dingle's retirement is related to a "Board
      of Directors Policy and Procedure Manual" adopted by the Company's
      Board of Directors, which provides that directors of the Company must
      retire at the end of the month in which such individuals reach the age of
      75. Mr. Dingle turned the age of 75 on October 18, 2002, and therefore,
      retired as a director of the Company effective October 31, 2002. Mr.
      Dingle had served as a director of the Company since 1974.
The Company also reports that Royce A. Stutzman was elected
      to the Company's Board of Directors on November 27, 2002. A Certified
      Valuation Analyst (CVA) and Certified Public Accountant, Stutzman is past
      Managing Partner and current Chairman of Vicenti, Lloyd & Stutzman LLP,
      a well-known accounting firm in La Verne, California. He is also past
      Member and Chairman of the Board for the former First Federal Savings and
      Loan of the San Gabriel Valley.
Item 6.
Not applicable.
Item 7.
Financial Statements and Exhibits
(a)
No financial statements are required to be filed
      with this report.
(b)
No pro forma financial information is required
      to be filed with this report.
(c)
Exhibits: None.
Items 8 through 9.
Not applicable
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of
  1934, the registrant has duly caused this report to be signed on its behalf by
  the undersigned hereunto duly authorized.
PFF
        BANCORP, INC.
By:
/s/ GREGORY C. TALBOTT
Gregory C. Talbott
Executive Vice President and
Chief Financial Officer
Date: December 16, 2002