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      <P align=center><B><FONT face="Times New Roman Bold" size=3>UNITED
      STATES<BR>SECURITIES AND EXCHANGE COMMISSION<BR></FONT>Washington,
      D.C.&nbsp; 20549</B> </P></TD></TR>
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      <H2 align=center><B><FONT face="Times New Roman" size=3>FORM</FONT></B>
      <FONT size=3>8-K<BR></FONT></H2></TD></TR>
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    <TD vAlign=top colSpan=5 height=59>
      <P align=center><B><FONT face="Times New Roman Bold" size=3>CURRENT
      REPORT<BR>PURSUANT TO SECTION 13 OR 15(d) OF THE<BR>SECURITIES EXCHANGE
      ACT OF 1934<BR></FONT></B></P></TD></TR>
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      <P align=center><FONT face="Times New Roman" size=3>Date of report (Date
      of earliest event reported): February 20, 2004</FONT></P></TD></TR>
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      <P align=center><B><FONT face="Times New Roman" size=3>PFF BANCORP,
      INC.<BR></FONT></B><FONT size=3>(Exact name of registrant as specified in
      its charter)</FONT></P></TD></TR>
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    <TD vAlign=top colSpan=2 height=21>&nbsp;</TD>
    <TD vAlign=top height=21></TD>
    <TD vAlign=top colSpan=2 height=21></TD></TR>
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    <TD vAlign=bottom align=middle colSpan=2 height=19><B><FONT
      face="Times New Roman" size=3>Delaware&nbsp;</FONT></B> </TD>
    <TD vAlign=bottom align=middle height=19><B><FONT face="Times New Roman"
      size=3>0-27404</FONT></B> </TD>
    <TD vAlign=bottom align=middle colSpan=2 height=19><B><FONT
      face="Times New Roman" size=3>95-4561623</FONT></B> </TD></TR>
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      <P><B><FONT face="Times New Roman Bold" size=3>(</FONT></B><FONT
      face="Times New Roman">State or other jurisdiction
      of&nbsp;<BR>incorporation)</FONT></P></TD>
    <TD vAlign=top height=40>
      <P align=center><FONT face="Times New Roman" size=3>(Commission File
      Number)</FONT></P></TD>
    <TD vAlign=top colSpan=2 height=40>
      <P align=center><FONT face="Times New Roman" size=3>(IRS Employer
      Identification&nbsp;<BR>No.)</FONT></P></TD></TR>
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    <TD vAlign=top colSpan=2 height=21></TD></TR>
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      <P><B><FONT face="Times New Roman" size=3>350 South Garey
      Avenue<BR>Pomona, CA<BR></FONT></B><FONT size=3>(Address of principal
      executive offices)</FONT></P></TD>
    <TD vAlign=top colSpan=2 height=59>
      <P align=center><B><FONT face="Times New Roman"
      size=3><BR>91766<BR></FONT></B><FONT size=3>(Zip Code)</FONT></P></TD></TR>
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    <TD vAlign=top colSpan=2 height=21></TD></TR>
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    <TD vAlign=top colSpan=5 height=21>
      <P align=center><FONT face="Times New Roman" size=3>Registrant's telephone
      number, including area code<B>:&nbsp; (909) 623-2323</B></FONT></P></TD></TR>
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    <TD vAlign=top colSpan=5 height=21></TD></TR>
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    <TD vAlign=top colSpan=5 height=40>
      <P align=center><B><FONT face="Times New Roman" size=3>Not
      Applicable<BR></FONT></B><FONT face="Times New Roman" size=3>(Former name
      or former address, if changed since last
report)</FONT></P></TD></TR></TABLE>
<P><FONT face="Times New Roman" size=3></FONT></P>
<P align=center><FONT face="Times New Roman" size=3></FONT></P></DIV><FONT
face="Times New Roman" size=3><BR></FONT>
<HR>

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<DIV>
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    <TD vAlign=top width=120 colSpan=2>
      <P><B><FONT face="Times New Roman" size=3>Items 5.</FONT></B></P></TD>
    <TD vAlign=top width=581>
      <P><B><FONT face="Times New Roman" size=3>Other Events and Regulation FD
      Disclosure</FONT></B></P>
      <H1></H1></TD></TR>
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    <TD vAlign=top width=120 colSpan=2></TD>
    <TD vAlign=top width=581>
      <P><FONT face="Times New Roman" size=3>On Tuesday, February 24, 2004, at
      11:20 a.m., PFF Bancorp, Inc. will be presenting at the Wall Street
      Transcript Investing in the Banking Industry Conference in New York.&nbsp;
      A copy of the power point presentation can be viewed at</FONT>
      http://www.pffbank.com/</A><FONT
      face="Times New Roman">by clicking on Investor
      Relations/Events/Presentations.</FONT></P></TD></TR>
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    <TD vAlign=top width=120 colSpan=2></TD>
    <TD vAlign=top width=581>&nbsp;</TD></TR>
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    <TD vAlign=top width=48>
      <P><B><FONT face="Times New Roman" size=3>Item 7.</FONT></B></P></TD>
    <TD vAlign=top width=76></TD>
    <TD vAlign=top width=581>
      <P><B><FONT face="Times New Roman" size=3>Financial Statements and
      Exhibits</FONT></B></P></TD></TR>
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    <TD vAlign=top width=48></TD>
    <TD vAlign=top width=76></TD>
    <TD vAlign=top width=581>&nbsp;</TD></TR>
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    <TD vAlign=top width=48></TD>
    <TD vAlign=top width=76></TD>
    <TD vAlign=top width=581>
      <P><FONT face="Times New Roman" size=3>The following exhibit is filed with
      this report:</FONT></P></TD></TR>
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    <TD vAlign=top width=48></TD>
    <TD vAlign=top width=76></TD>
    <TD vAlign=top width=581>&nbsp;</TD></TR>
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    <TD vAlign=top width=48></TD>
    <TD vAlign=top width=76>
      <P><U><FONT face="Times New Roman"
      size=3>Exhibit<BR>&nbsp;No</FONT></U></P></TD>
    <TD vAlign=top width=581>
      <P><U><FONT face="Times New Roman" size=3>Description</FONT></U></P></TD></TR>
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    <TD vAlign=top width=48></TD>
    <TD vAlign=top width=76>
      <P><FONT face="Times New Roman" size=3>99.1</FONT></P></TD>
    <TD vAlign=top width=581>
      <P><FONT face="Times New Roman" size=3>Press release dated February 20,
      2004, of PFF Bancorp, Inc.<BR></FONT></P></TD></TR></TABLE></DIV><FONT
face="Times New Roman" size=3><BR clear=all></FONT>
<DIV><FONT face="Times New Roman Bold" size=3><BR clear=all></FONT>
<HR>

<P align=center><BR><BR><B><FONT face="Times New Roman Bold" size=3>EXHIBIT
INDEX</FONT></B></P>
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    <TD vAlign=top height=21>
      <P align=center><B><U><FONT face="Times New Roman Bold"
      size=3>Exhibi</FONT></U></B><B><U><FONT size=3>t</FONT></U></B></P></TD>
    <TD vAlign=top height=21>
      <P align=center><B><U><FONT face="Times New Roman Bold"
      size=3>Description</FONT></U></B></P></TD></TR>
  <TR>
    <TD vAlign=top height=21>
      <P align=center><FONT face="Times New Roman" size=3>99.1</FONT></P></TD>
    <TD vAlign=top height=21>
      <P align=center><FONT face="Times New Roman" size=3>Press release dated
      February 20, 2004.</FONT></P></TD></TR></TABLE><FONT
face="Times New Roman" size=3><BR></FONT>
<HR>

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    <TD vAlign=top colSpan=3>
      <H1 align=center><B><FONT face="Times New Roman"
      size=3>SIGNATURES<BR></FONT></B></H1></TD></TR>
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    <TD vAlign=top colSpan=3>
      <P align=left><FONT face="Times New Roman" size=3>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></TD></TR>
  <TR>
    <TD vAlign=top colSpan=3>
      <P>&nbsp;</P></TD></TR>
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    <TD vAlign=top></TD>
    <TD vAlign=top colSpan=2>
      <P><B><FONT face="Times New Roman" size=3>PFF BANCORP,
    INC.</FONT></B></P></TD></TR>
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    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top>&nbsp;</TD></TR>
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    <TD vAlign=top></TD>
    <TD vAlign=top>
      <P><FONT face="Times New Roman" size=3>By:</FONT></P></TD>
    <TD vAlign=top>
      <P><U><FONT face="Times New Roman" size=3>/s/ Gregory C.
      Talbott</FONT></U></P></TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top>
      <P><FONT face="Times New Roman" size=3>Gregory C. Talbott<BR>Executive
      Vice President and<BR>Chief Financial Officer</FONT></P></TD></TR>
  <TR>
    <TD vAlign=top>
      <P><FONT face="Times New Roman" size=3>Date: February 24,
    2004</FONT></P></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD></TR></TABLE>
<P><FONT face="Times New Roman" size=2></FONT></P></DIV></BODY></HTML>
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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": "04623734"}, "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): February 20, 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
On Tuesday, February 24, 2004, at
      11:20 a.m., PFF Bancorp, Inc. will be presenting at the Wall Street
      Transcript Investing in the Banking Industry Conference in New York. 
      A copy of the power point presentation can be viewed at
http://www.pffbank.com/
by clicking on Investor
      Relations/Events/Presentations.
Item 7.
Financial Statements and
      Exhibits
The following exhibit is filed with
      this report:
Exhibit
No
Description
99.1
Press release dated February 20,
      2004, of PFF Bancorp, Inc.
EXHIBIT
INDEX
Exhibi
t
Description
99.1
Press release dated
      February 20, 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: February 24,
    2004