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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></p>
        <p align="center">&nbsp;</p>
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        <p align="center"><b><font size="3" face="Times New Roman">FORM 8-K</font></b></p>
        <p align="center">&nbsp;</p>
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        <h2></h2>
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        <p align="center"><b><font size="3" face="Times New Roman">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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        </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): January 23, 2006</font></p>
        <p align="center">&nbsp;</p>
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        <p align="center"></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>
        <p align="center">&nbsp;</p>
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        <p align="center"><b><font size="3" face="Times New Roman">Delaware</font></b></p>
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        <p align="center"><b><font size="3" face="Times New Roman">0-27404</font></b></p>
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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" style="margin-top: 1; margin-bottom: 1"><font size="3" face="Times New Roman">&nbsp;&nbsp;(State
        or other jurisdiction of incorporation)</font></p>
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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 No.)</font></p>
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        <p align="center"><font size="3" face="Times New Roman"><br />
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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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        <p align="center"><b><font size="3" face="Times New Roman"><br />
        91766<br />
        </font></b><font size="3">(Zip Code)</font></p>
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        <p align="center"><b><font size="3" face="Times New Roman"><br />
        </font></b></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>
        <p align="center">&nbsp;</p>
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        <p align="center"><b><font size="3" face="Times New Roman">Not
        Applicable</font><br />
        </b><font size="3">(Former name or former address, if changed since last
        report)</font></p>
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        <p align="center"><font size="3" face="Times New Roman"><br />
        </font></p>
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        <p align="center"></p>
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        <p align="center"><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:<br />
        </font></p>
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        <p align="center"><font size="3" face="Times New Roman">&nbsp;</font></p>
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        <p><font size="3" face="Times New Roman">[ ] Written communications
        pursuant to Rule 425 under the Securities Act (17 CFR 230.425).<br />
        </font></p>
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        <p align="center"><font size="3" face="Times New Roman">&nbsp;</font></p>
      </td>
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      <td colspan="5" valign="top">
        <p><font size="3" face="Times New Roman">[ ] Soliciting material
        pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12).<br />
        </font></p>
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        <p align="center"><font size="3" face="Times New Roman">&nbsp;</font></p>
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        <p><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)).<br />
        </font></p>
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        <p align="center"><font size="3" face="Times New Roman">&nbsp;</font></p>
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        <p><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)).<br />
        </font></p>
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      <td valign="top"><b><font size="3" face="Times New Roman">Item
        2.02&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></b> <b><font size="3">Results
        of Operations and Financial Condition.</font></b>
        <p><font size="3" face="Times New Roman">On January 23, 2006, PFF
        Bancorp, Inc. announced its earnings for the three and nine months ended
        December 31, 2005.&nbsp; A copy of the press release dated January 23,
        2006, describing the three and nine months ended December 31, 2005
        earnings is attached as Exhibit 99.1.</font></p>
        <p><font size="3" face="Times New Roman">&nbsp;</font></p>
        <p><b><font size="3" face="Times New Roman">Item
        9.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Financial Statements and
        Exhibits</font></b></p>
        <p><b><font size="3" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        &nbsp;</font></b> <font size="3" color="black">The following exhibit is
        furnished with this report:</font></p>
        <p><font size="3" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        <u>Exhibit No.</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        <u>Description</u></font></p>
        <p><font size="3" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        99.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        PFF Bancorp, Inc. press release dated January 23, 2006.</font></p>
        <p><font size="2" face="Times New
Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></p>
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        <p align="center"><b><font size="3" face="Times New Roman"><br clear="all" />
        SIGNATURES</font></b>
        <p align="center">&nbsp;</p>
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        <p><font size="3" face="Times New Roman">&nbsp;&nbsp;&nbsp;&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></p>
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        <p align="center">&nbsp;</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>&nbsp;</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,<br />
        Chief Financial Officer and Treasurer</font></p>
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        <p><font size="3" face="Times New Roman">Date: January 24, 2006</font></p>
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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington
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): January 23, 2006
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)
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
        2.02
Results
        of Operations and Financial Condition.
On January 23, 2006, PFF
        Bancorp, Inc. announced its earnings for the three and nine months ended
        December 31, 2005.  A copy of the press release dated January 23,
        2006, describing the three and nine months ended December 31, 2005
        earnings is attached as Exhibit 99.1.
Item
        9.01        Financial Statements and
        Exhibits
The following exhibit is
        furnished with this report:
Exhibit No.
Description
99.1                          
        PFF Bancorp, Inc. press release dated January 23, 2006.
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,
Chief Financial Officer and Treasurer
Date: January 24, 2006