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			<p align="center"><b><font size="3" face="Times New Roman">UNITED
			STATES<br>
			SECURITIES AND EXCHANGE COMMISSION<br>
			Washington, D.C.&nbsp; 20549</font></b></td>
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			<td colspan="5" valign="top" width="665">&nbsp;</td>
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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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			<h2></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></td>
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			<td valign="top" width="268">&nbsp;</td>
			<td colspan="3" valign="top" width="179"></td>
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			<p align="center"><font size="3" face="Times New Roman">Date of
			report (Date of earliest event reported): December 20, 2007</font></td>
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			<td colspan="5" valign="top" width="665">&nbsp;</td>
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			<td colspan="2" valign="top" width="269">&nbsp;</td>
			<td valign="top" width="175"></td>
			<td colspan="2" valign="top" width="217"></td>
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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></td>
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			<td colspan="2" valign="top" width="269">&nbsp;</td>
			<td valign="top" width="175"></td>
			<td colspan="2" valign="top" width="217"></td>
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			<td colspan="2" valign="top" width="269">
			<p align="center"><b><font size="3" face="Times New Roman">Delaware</font></b></td>
			<td valign="top" width="175">
			<p align="center"><b><font size="3" face="Times New Roman">001-16845</font></b></td>
			<td colspan="2" valign="top" width="217">
			<p align="center"><b><font size="3" face="Times New Roman">
			95-4561623</font></b></td>
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			<p align="center"><b><font size="3" face="Times New Roman Bold">(</font></b><font face="Times New Roman">State
			or other jurisdiction of <br>
			incorporation)</font></td>
			<td valign="top" width="175">
			<p align="center"><font size="3" face="Times New Roman">(Commission
			File Number)</font></td>
			<td colspan="2" valign="top" width="217">
			<p align="center"><font size="3" face="Times New Roman">(IRS
			Employer Identification No.)</font></td>
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			<td colspan="2" valign="top" width="269">&nbsp;</td>
			<td valign="top" width="175"></td>
			<td colspan="2" valign="top" width="217"></td>
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			<td colspan="3" valign="top" width="446"><b>
			<font size="3" face="Times New Roman">9337 Milliken Avenue<br>
			Rancho Cucamonga, CA<br>
			</font></b><font size="3">(Address of principal executive offices)</font></td>
			<td colspan="2" valign="top" width="217">
			<p align="center"><b><font size="3" face="Times New Roman"><br>
			91730<br>
			</font></b><font size="3">(Zip Code)</font></td>
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			<td colspan="3" valign="top" width="446"></td>
			<td colspan="2" valign="top" width="217"></td>
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			<td colspan="3" valign="top" width="446">&nbsp;</td>
			<td colspan="2" valign="top" width="217"></td>
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			<p align="center"><font size="3" face="Times New Roman">Registrant's
			telephone number, including area code<b>:&nbsp; (909) </b></font><b>
			<font face="Times New Roman">941-5400</font></b></td>
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			<td colspan="5" valign="top" width="665">&nbsp;</td>
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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></td>
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			<td colspan="5" valign="top" width="665">&nbsp;</td>
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			<font size="3" face="Times New Roman">Check the appropriate box
			below if the Form 8-K filing is intended to simultaneously satisfy
			the filing obligation of the registrant under any of the following
			provisions:</font></td>
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			<td colspan="5" valign="top" width="665">&nbsp;</td>
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			<td colspan="5" valign="top" width="665">
			<font size="3" face="Times New Roman">[ ] Written communications
			pursuant to Rule 425 under the Securities Act (17 CFR 230.425).</font></td>
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			<td colspan="5" valign="top" width="665">&nbsp;</td>
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			<td colspan="5" valign="top" width="665">
			<font size="3" face="Times New Roman">[ ] Soliciting material
			pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12).</font></td>
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			<td colspan="5" valign="top" width="665">&nbsp;</td>
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			<td colspan="5" valign="top" width="665">
			<font size="3" face="Times New Roman">[ ] Pre-commencement
			communications pursuant to Rule 14d-2(b) under the Exchange Act (17
			CFR 240.14d-2(b)).</font></td>
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			<td colspan="5" valign="top" width="665">&nbsp;</td>
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			<td colspan="5" valign="top" width="665">
			<font size="3" face="Times New Roman">[ ] Pre-commencement
			communications pursuant to Rule 13e-4(c) under the Exchange Act (17
			CFR 240.13e-4(c)).</font></td>
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	<p><br>
	</p>
	<hr><font size="2" face="Times New Roman"><br clear="all">
	</font>
	<p><b><font size="3" face="Times New Roman">Item 8.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
	Other Events.</font></b></p>
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			<p class="MsoNormal">On December 20, 2007, the Company sent a letter
			to Mr. Michael E. Kelly, Chairman of FBOP Corporation and
			Cottonwood Holdings, Inc. regarding the application filed by FBOP
			Corporation with the Federal Reserve for permission to purchase up
			to 24.9% of the shares of PFF Bancorp, Inc.&nbsp; The letter is
			attached as an exhibit to this filing. </p>
			<p class="MsoNormal">&nbsp;</td>
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	<p>&nbsp;</p>
	<p><b><font size="3" color="black" face="Times New Roman">Item 9.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
	Financial Statements and Exhibits.</font></b></p>
	<p><font size="3" color="black" face="Times New Roman">The following exhibit
	is filed with this report:</font></p>
	<p><u><font size="3" color="black" face="Times New Roman">Exhibit No.</font></u><font size="3" color="black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
	<u>&nbsp;Description</u></font></p>
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			<p align="center"><font size="3" face="Times New Roman">99.1</font></td>
			<td valign="top" width="615">
			<blockquote>
				<p style="margin-top: 1px; margin-bottom: 1px">
				<font size="3" face="Times New Roman">Company letter sent to Mr.
				Michael E. Kelly, Chairman of FBOP Corporation and&nbsp;
				Cottonwood Holdings, Inc. </font>regarding the application filed
				by FBOP Corporation with the Federal Reserve for permission to
				purchase up to 24.9% of the shares of PFF Bancorp, Inc.</p>
			</blockquote>
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	<p>&nbsp;</p>
	<font size="2" color="black" face="Times New Roman"><br clear="all">
	<br>
	</font><hr>
	<p><font size="2" color="black" face="Times New Roman"><br>
	</font></p>
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			<p align="center"><b><font size="3" face="Times New Roman">
			SIGNATURES</font></b></td>
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			<td colspan="3" valign="top"><font size="3" face="Times New Roman">&nbsp;</font></td>
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			<p align="left"><font size="3" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
			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></td>
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			<font size="3" face="Times New Roman">&nbsp;</font></b></td>
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			<td colspan="2" valign="top"><b>
			<font size="3" face="Times New Roman">PFF BANCORP, INC.</font></b></td>
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			<td valign="top" width="292">&nbsp;</td>
			<td valign="top" width="43"></td>
			<td valign="top" width="436"></td>
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			<td valign="top" width="43"><font size="3" face="Times New Roman">
			By:</font></td>
			<td valign="top" width="436"><u>
			<font size="3" face="Times New Roman">/s/ Gregory C. Talbott</font></u></td>
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			<p style="margin-top: 1px; margin-bottom: 1px">
			<font size="3" face="Times New Roman">Gregory C. Talbott<br>
			Senior Executive Vice President,</font></p>
			<p style="margin-top: 1px; margin-bottom: 1px">
			<font size="3" face="Times New Roman">Chief Operating Officer/Chief
			</font></p>
			<p style="margin-top: 1px; margin-bottom: 1px">
			<font size="3" face="Times New Roman">Financial Officer and
			Treasurer</font></td>
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			<td valign="top" width="292"><font size="3" face="Times New Roman">
			Date: December 20, 2007</font></td>
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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": "071320176"}, "business-address": {"street1": "9337 MILLIKEN AVENUE", "city": "RANCO CUCAMONGA", "state": "CA", "zip": "91729", "phone": "909-941-5400"}, "mail-address": {"street1": "9337 MILLIKEN AVENUE", "city": "RANCO CUCAMONGA", "state": "CA", "zip": "91729"}}
UNITED STATES SECURITIES AND EXC
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): December 20, 2007
PFF
			BANCORP, INC.
(Exact name of registrant as specified in
			its charter)
Delaware
001-16845
95-4561623
(
State
			or other jurisdiction of
incorporation)
(Commission
			File Number)
(IRS
			Employer Identification No.)
9337 Milliken Avenue
Rancho Cucamonga, CA
(Address of principal executive offices)
91730
(Zip Code)
Registrant's
			telephone number, including area code
:  (909)
941-5400
Not
			Applicable
(Former name or
			former address, if changed since last report)
Check the appropriate box
			below if the Form 8-K filing is intended to simultaneously satisfy
			the filing obligation of the registrant under any of the following
			provisions:
[ ] Written communications
			pursuant to Rule 425 under the Securities Act (17 CFR 230.425).
[ ] Soliciting material
			pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12).
[ ] Pre-commencement
			communications pursuant to Rule 14d-2(b) under the Exchange Act (17
			CFR 240.14d-2(b)).
[ ] Pre-commencement
			communications pursuant to Rule 13e-4(c) under the Exchange Act (17
			CFR 240.13e-4(c)).
Item 8.01           
	Other Events.
On December 20, 2007, the Company sent a letter
			to Mr. Michael E. Kelly, Chairman of FBOP Corporation and
			Cottonwood Holdings, Inc. regarding the application filed by FBOP
			Corporation with the Federal Reserve for permission to purchase up
			to 24.9% of the shares of PFF Bancorp, Inc.  The letter is
			attached as an exhibit to this filing.
Item 9.01           
	Financial Statements and Exhibits.
The following exhibit
	is filed with this report:
Exhibit No.
Description
99.1
Company letter sent to Mr.
				Michael E. Kelly, Chairman of FBOP Corporation and 
				Cottonwood Holdings, Inc.
regarding the application filed
				by FBOP Corporation with the Federal Reserve for permission to
				purchase up to 24.9% of the shares of PFF Bancorp, Inc.
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
Senior Executive Vice President,
Chief Operating Officer/Chief
Financial Officer and
			Treasurer
Date: December 20, 2007