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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>
      </td>
    </tr>
    <tr>
      <td valign="top" width="268">&nbsp;</td>
      <td colspan="3" valign="top" width="179"></td>
      <td valign="top" width="214"></td>
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      <td colspan="5" valign="top" width="665"></td>
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      <td colspan="5" valign="top" width="665">
        <h2 align="center"><b><font size="3" face="Times New Roman">FORM</font></b>
        <font size="3">8-K</font></h2>
      </td>
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      <td colspan="5" valign="top" width="665">
        <h2></h2>
      </td>
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      <td colspan="5" valign="top" width="665">
        <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>
      </td>
    </tr>
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      <td valign="top" width="268">&nbsp;</td>
      <td colspan="3" valign="top" width="179"></td>
      <td valign="top" width="214"></td>
    </tr>
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      <td colspan="5" valign="top" width="665">
        <p align="center"><font size="3" face="Times New Roman">Date of report
        (Date of earliest event reported): September 16, 2005</font></p>
      </td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="665">&nbsp;</td>
    </tr>
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      <td colspan="2" valign="top" width="269"></td>
      <td valign="top" width="173"></td>
      <td colspan="2" valign="top" width="219"></td>
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      <td colspan="5" valign="top" width="665">
        <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>
      </td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="665">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="2" valign="top" width="269">&nbsp;</td>
      <td valign="top" width="173"></td>
      <td colspan="2" valign="top" width="219"></td>
    </tr>
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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="173">
        <p align="center"><b><font size="3" face="Times New Roman">0-27404</font></b></p>
      </td>
      <td colspan="2" valign="top" width="219">
        <p align="center"><b><font size="3" face="Times New Roman">95-4561623</font></b></p>
      </td>
    </tr>
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      <td colspan="2" valign="top" width="269">
        <p align="center" style="margin-top: 1; margin-bottom: 1"><b><font size="3" face="Times New Roman Bold">(</font></b><font face="Times New Roman">State
        or other jurisdiction of</font></p>
        <p align="center" style="margin-top: 1; margin-bottom: 1"><font face="Times New Roman">incorporation)</font></p>
      </td>
      <td valign="top" width="173">
        <p align="center"><font size="3" face="Times New Roman">(Commission File
        Number)</font></p>
      </td>
      <td colspan="2" valign="top" width="219">
        <p align="center"><font size="3" face="Times New Roman">(IRS Employer
        Identification No.)</font></p>
      </td>
    </tr>
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      <td colspan="2" valign="top" width="269"></td>
      <td valign="top" width="173"></td>
      <td colspan="2" valign="top" width="219"></td>
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    <tr>
      <td colspan="2" valign="top" width="269">&nbsp;</td>
      <td valign="top" width="173"></td>
      <td colspan="2" valign="top" width="219"></td>
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      <td colspan="3" valign="top" width="444">
        <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>
      </td>
      <td colspan="2" valign="top" width="219">
        <p align="center"><b><font size="3" face="Times New Roman"><br />
        91766<br />
        </font></b><font size="3">(Zip Code)</font></p>
      </td>
    </tr>
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      <td colspan="3" valign="top" width="444"></td>
      <td colspan="2" valign="top" width="219"></td>
    </tr>
    <tr>
      <td colspan="3" valign="top" width="444">&nbsp;</td>
      <td colspan="2" valign="top" width="219"></td>
    </tr>
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      <td colspan="5" valign="top" width="665">
        <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>
      </td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="665">&nbsp;</td>
    </tr>
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      <td colspan="5" valign="top" width="665">
        <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>
    </tr>
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      <td colspan="5" valign="top" width="665"></td>
    </tr>
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      <td colspan="5" valign="top" width="665">
        <p><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></p>
      </td>
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    <tr>
      <td colspan="5" valign="top" width="665">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="665">
        <p><font size="3" face="Times New Roman">[ ] Written communications
        pursuant to Rule 425 under the Securities Act (17 CFR 230.425).</font></p>
      </td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="665">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="665">
        <p><font size="3" face="Times New Roman">[ ] Soliciting material
        pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12).</font></p>
      </td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="665">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="665">
        <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)).</font></p>
      </td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="665">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="665">
        <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)).</font></p>
      </td>
    </tr>
  </table>
  <p><br>
  <br>
  </p>
  <hr>
  <font size="2" face="Times New Roman"><br clear="all" />
  </font><b><font size="3" face="Times New Roman">Item
  1.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Entry
  into a Material Definitive Agreement.</font></b>
  <p class="MsoNormal">On September 16, 2005, PFF Bancorp, Inc. (the
  &quot;Company&quot;) completed a private placement of $25.0 million of trust
  preferred securities, through a newly formed Delaware trust affiliate, PFF
  Bancorp Capital Trust II (the &quot;Trust&quot;).&nbsp; As part of this
  transaction, the Company issued an aggregate principal amount of $25,774,000
  of floating rate junior subordinated debt securities to the Trust, which debt
  securities bear an initial interest rate of 5.394% until November 22, 2005,
  and after that which will be reset quarterly at 3-month LIBOR plus
  1.52%&nbsp;&nbsp; The debt securities were issued pursuant to the terms on an
  Indenture dated as of September 16, 2005, between the Company, as Issuer, and
  Wilmington Trust Company, as Trustee.&nbsp;</p>
  <p class="MsoNormal">The debt securities obligate the Company to pay interest
  on their principal sum quarterly in arrears on February 23, May 23, August 23
  and November 23 of each year.&nbsp; So long as an &quot;Event of Default&quot;
  has not occurred and is continuing under the Indenture, the Company has the
  right to defer payments of interest on the debt securities by extending the
  interest payment period on the debt securities for up to 20 consecutive
  quarterly periods.&nbsp; The debt securities mature on November 23, 2035, but
  may be redeemed by the Company, in whole or in part, beginning on November 23,
  2010, on any interest payment date.&nbsp; The debt securities may also be
  redeemed by the Company in whole, but not in part, within 120 days of the
  occurrence of certain special redemption events as defined in the
  Indenture.&nbsp; Special redemption events relate to the regulatory capital
  treatment of the issuance, the Trust being deemed an investment company and
  the occurrence of certain tax events.&nbsp; A form of debt security and the
  Indenture and are filed herewith as Exhibits 4.1 and 10.21,
  respectively.&nbsp; &nbsp;&nbsp;&nbsp;</p>
  <p class="MsoNormal">The debt securities are the sole assets of the
  Trust.&nbsp; The Trust issued an aggregate principal amount of $25,000,000 of
  capital securities with a floating interest rate corresponding to that of the
  debt securities to an unaffiliated pooled investment vehicle.&nbsp; The
  payments of distributions on and redemption or liquidation of the capital
  securities issued by the Trust are guaranteed by the Company pursuant to a
  Guarantee Agreement dated as of September 16, 2005, executed and delivered by
  the Company and Wilmington Trust Company, the Guarantee Trustee, for the
  benefit of the holders of the capital securities.&nbsp; The Guarantee
  Agreement is filed herewith as Exhibit 10.22.</p>
  <p class="MsoNormal" style="margin-bottom:6.95pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"><b>Item 2.03 Creation of a Direct Financial Obligation
  or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.&nbsp;</b></p>
  The debt securities issued by the Company on September 16, 2005 to the Trust,
  as described in Item 1.01, shall be accounted for by the Company as long-term
  borrowings on its consolidated balance sheet.
  <hr>
  <p><b><font size="3" color="black" face="Times New Roman">Item 9.01&nbsp;
  Financial Statements and Exhibits.</font></b></p>
  <p><b><font size="3" color="black" face="Times New Roman">(c)&nbsp; Exhibits.</font></b></p>
  <table border="0" width="100%">
    <tr>
      <td width="14%" align="left"><b><u>Exhibit No.</u></b></td>
      <td width="86%" align="left"><b><u>Description</u></b></td>
    </tr>
    <tr>
      <td width="14%">4.1<br>
        <br>
      </td>
      <td width="86%">Form of Floating Rate Junior Subordinated Debt Security
        issued by PFF Bancorp, Inc. to Wilmington Trust Company, dated September
        16, 2005 (included as Exhibit A to Exhibit&nbsp; 10.21).</td>
    </tr>
    <tr>
      <td width="14%">&nbsp;</td>
      <td width="86%"></td>
    </tr>
    <tr>
      <td width="14%">10.21<br>
      </td>
      <td width="86%"><font size="3" face="Times New Roman">Indenture by and
        between PFF Bancorp, Inc., as Issuer, and Wilmington Trust Company, as
        Trustee, dated September 16, 2005 for Floating Rate Junior Subordinated
        Debt Securities.</font></td>
    </tr>
    <tr>
      <td width="14%"><font size="3" face="Times New Roman">&nbsp;</font></td>
      <td width="86%"></td>
    </tr>
    <tr>
      <td width="14%">10.22<br>
        <br>
      </td>
      <td width="86%"><font size="3" face="Times New Roman">Guarantee Agreement
        executed and delivered by PFF Bancorp, Inc. and Wilmington Trust Company
        for the benefit of the Holders from time to time of the Capital
        Securities of PFF Bancorp Capital Trust II.</font></td>
    </tr>
  </table>
  <p>&nbsp;</p>
  <p><font size="2" color="black" face="Times New Roman"><br clear="all" />
  </font></p>
  <hr>
  <table border="0" cellspacing="0" cellpadding="0">
    <tr>
      <td colspan="3" valign="top">
        <h1 align="center"><b><font size="3" face="Times New Roman">SIGNATURES</font></b></h1>
      </td>
    </tr>
    <tr>
      <td colspan="3" valign="top">
        <p align="left"><font size="3" face="Times New Roman">&nbsp;&nbsp;&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></td>
    </tr>
    <tr>
      <td colspan="3" valign="top">
        <h1>&nbsp;</h1>
      </td>
    </tr>
    <tr>
      <td valign="top"></td>
      <td colspan="2" valign="top">
        <p><b><font size="3" face="Times New Roman">PFF BANCORP, INC.</font></b></p>
      </td>
    </tr>
    <tr>
      <td valign="top">&nbsp;</td>
      <td valign="top"></td>
      <td valign="top"></td>
    </tr>
    <tr>
      <td valign="top"></td>
      <td valign="top">
        <p><font size="3" face="Times New Roman">By:</font></p>
      </td>
      <td valign="top">
        <p><u><font size="3" face="Times New Roman">/s/ Gregory C. Talbott</font></u></p>
      </td>
    </tr>
    <tr>
      <td valign="top"></td>
      <td valign="top"></td>
      <td valign="top">
        <p><font size="3" face="Times New Roman">Gregory C. Talbott<br />
        Executive Vice President,<br />
        Chief Financial Officer and Treasurer</font></p>
      </td>
    </tr>
    <tr>
      <td valign="top">
        <p><font size="3" face="Times New Roman">Date: September 22, 2005</font></p>
      </td>
      <td valign="top"></td>
      <td valign="top"></td>
    </tr>
  </table>
  <p>&nbsp;</p>
</div>

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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": "051097816"}, "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
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): September 16, 2005
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
  1.01            Entry
  into a Material Definitive Agreement.
On September 16, 2005, PFF Bancorp, Inc. (the
  "Company") completed a private placement of $25.0 million of trust
  preferred securities, through a newly formed Delaware trust affiliate, PFF
  Bancorp Capital Trust II (the "Trust").  As part of this
  transaction, the Company issued an aggregate principal amount of $25,774,000
  of floating rate junior subordinated debt securities to the Trust, which debt
  securities bear an initial interest rate of 5.394% until November 22, 2005,
  and after that which will be reset quarterly at 3-month LIBOR plus
  1.52%   The debt securities were issued pursuant to the terms on an
  Indenture dated as of September 16, 2005, between the Company, as Issuer, and
  Wilmington Trust Company, as Trustee.
The debt securities obligate the Company to pay interest
  on their principal sum quarterly in arrears on February 23, May 23, August 23
  and November 23 of each year.  So long as an "Event of Default"
  has not occurred and is continuing under the Indenture, the Company has the
  right to defer payments of interest on the debt securities by extending the
  interest payment period on the debt securities for up to 20 consecutive
  quarterly periods.  The debt securities mature on November 23, 2035, but
  may be redeemed by the Company, in whole or in part, beginning on November 23,
  2010, on any interest payment date.  The debt securities may also be
  redeemed by the Company in whole, but not in part, within 120 days of the
  occurrence of certain special redemption events as defined in the
  Indenture.  Special redemption events relate to the regulatory capital
  treatment of the issuance, the Trust being deemed an investment company and
  the occurrence of certain tax events.  A form of debt security and the
  Indenture and are filed herewith as Exhibits 4.1 and 10.21,
  respectively.
The debt securities are the sole assets of the
  Trust.  The Trust issued an aggregate principal amount of $25,000,000 of
  capital securities with a floating interest rate corresponding to that of the
  debt securities to an unaffiliated pooled investment vehicle.  The
  payments of distributions on and redemption or liquidation of the capital
  securities issued by the Trust are guaranteed by the Company pursuant to a
  Guarantee Agreement dated as of September 16, 2005, executed and delivered by
  the Company and Wilmington Trust Company, the Guarantee Trustee, for the
  benefit of the holders of the capital securities.  The Guarantee
  Agreement is filed herewith as Exhibit 10.22.
Item 2.03 Creation of a Direct Financial Obligation
  or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.
The debt securities issued by the Company on September 16, 2005 to the Trust,
  as described in Item 1.01, shall be accounted for by the Company as long-term
  borrowings on its consolidated balance sheet.
Item 9.01 
  Financial Statements and Exhibits.
(c)  Exhibits.
Exhibit No.
Description
4.1
Form of Floating Rate Junior Subordinated Debt Security
        issued by PFF Bancorp, Inc. to Wilmington Trust Company, dated September
        16, 2005 (included as Exhibit A to Exhibit  10.21).
10.21
Indenture by and
        between PFF Bancorp, Inc., as Issuer, and Wilmington Trust Company, as
        Trustee, dated September 16, 2005 for Floating Rate Junior Subordinated
        Debt Securities.
10.22
Guarantee Agreement
        executed and delivered by PFF Bancorp, Inc. and Wilmington Trust Company
        for the benefit of the Holders from time to time of the Capital
        Securities of PFF Bancorp Capital Trust II.
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: September 22, 2005