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<p align="center"><b><font size="3" face="Times New Roman Bold">UNITED STATES<br />
 SECURITIES AND EXCHANGE COMMISSION<br />
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<h2 align="center"><b><font size="3" face="Times New Roman">FORM</font></b> <font size="3">8-K</font></h2>
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<p align="center"><b><font size="3" face="Times New Roman Bold">CURRENT REPORT<br />
 PURSUANT TO SECTION 13 OR 15(d) OF THE<br />
 SECURITIES EXCHANGE ACT OF 1934</font></b></p>
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<p align="center"><font size="3" face="Times New Roman">Date of report (Date of earliest event reported): April 12, 2004</font></p>
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<p align="center"><b><font size="3" face="Times New Roman">PFF BANCORP, INC.<br />
</font></b> <font size="3">(Exact name of registrant as specified in its charter)</font></p>
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<p align="center"><b><font size="3" face="Times New Roman">Delaware<br>
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<p align="center"><b><font size="3" face="Times New Roman">0-27404<br>
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<p align="center"><b><font size="3" face="Times New Roman">95-4561623</font></b></p>
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<p align="center"><font size="3" face="Times New Roman">(State or other jurisdiction of<br>
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<p align="center"><font size="3" face="Times New Roman">(Commission File Number)</font></p>
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<p align="center"><font size="3" face="Times New Roman">(IRS Employer Identification&nbsp;<br>
 No.)</font></p>
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<p><b><font size="3" face="Times New Roman">350 South Garey Avenue<br />
 Pomona, CA<br />
</font></b> <font size="3">(Address of principal executive offices)</font></p>
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 91766<br />
</font></b> <font size="3">(Zip Code)</font></p>
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<p align="center"><font size="3" face="Times New Roman">Registrant's telephone number, including area code<b>:&nbsp; (909) 623-2323</b></font></p>
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<p align="center"><b><font size="3" face="Times New Roman">Not Applicable<br>
</font></b><font size="3" face="Times New Roman">(Former name or former address, if changed since last report)</font></p>

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<p><b><font size="3" face="Times New Roman">Items 5.</font></b></p>
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<p><b><font size="3" face="Times New Roman">Other Events and Regulation FD Disclosure</font></b></p>

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<p><font size="3" face="Times New Roman">PFF Bancorp today announced that its wholly owned subsidiary, PFF Bank &amp; Trust, plans to open a new full-service branch in Beaumont, California. A copy of the press release dated April 12, 2004, describing the plans to
open the new branch is attached as Exhibit 99.1.</font></p>
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<p><b><font size="3" face="Times New Roman">Item 7.</font></b></p>
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<p><b><font size="3" face="Times New Roman">Financial Statements and Exhibits</font></b></p>
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<p><font size="3" face="Times New Roman">The following exhibit is filed with this report:</font></p>
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<p><u><font size="3" face="Times New Roman">Exhibit No</font></u></p>
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<p><font size="3" face="Times New Roman"><u>Description</u></font></p>
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<p><font size="3" face="Times New Roman">99.1</font></p>
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<p><font size="3" face="Times New Roman">Press release dated April 12, 2004, of PFF Bancorp, Inc.<br />
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  <b><font size="3" face="Times New Roman Bold">EXHIBIT INDEX<br>
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<p align="center"><b><u><font size="3" face="Times New Roman Bold">Exhibi</font></u></b><b><u><font size="3">t</font></u></b></p>
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<p align="center"><font size="3" face="Times New Roman">99.1</font></p>
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<p align="center"><font size="3" face="Times New Roman">Press release dated April 12, 2004.</font></p>
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</font><font size="3" face="Times New Roman">SIGNATURES<br>
  <br>
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<p align="left"><font size="3" face="Times New Roman">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.</font></p>
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<p><b><font size="3" face="Times New Roman">PFF BANCORP, INC.</font></b></p>
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<p><font size="3" face="Times New Roman">By:</font></p>
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<p><u><font size="3" face="Times New Roman">/s/ Gregory C. Talbott</font></u></p>
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<p><font size="3" face="Times New Roman">Gregory C. Talbott<br />
 Executive Vice President and<br />
 Chief Financial Officer</font></p>
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<p><font size="3" face="Times New Roman">Date: April 14, 2004</font></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": "04733036"}, "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"}}
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): April 12, 2004
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
(Address of principal executive offices)
91766
(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 5.
Other Events and Regulation FD Disclosure
PFF Bancorp today announced that its wholly owned subsidiary, PFF Bank & Trust, plans to open a new full-service branch in Beaumont, California. A copy of the press release dated April 12, 2004, describing the plans to
open the new branch is attached as Exhibit 99.1.
Item 7.
Financial Statements and Exhibits
The following exhibit is filed with this report:
Exhibit No
Description
99.1
Press release dated April 12, 2004, of PFF Bancorp, Inc.
EXHIBIT INDEX
Exhibi
t
Description
99.1
Press release dated April 12, 2004.
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: April 14, 2004