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<title>UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington</title>
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  <p>&nbsp;</p>
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      <td colspan="5" valign="top" align="center">
        <p align="center"><b>UNITED STATES<br />
        SECURITIES AND EXCHANGE COMMISSION<br />
        Washington, D.C.&nbsp; 20549</b></p>
      </td>
    </tr>
    <tr>
      <td valign="top" align="center"></td>
      <td colspan="3" valign="top"></td>
      <td valign="top"></td>
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    <tr>
      <td colspan="5" valign="top" align="center">&nbsp;
        <p>&nbsp;</td>
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      <td colspan="5" valign="top" align="center">
        <h2>FORM 8-K</h2>
      </td>
    </tr>
    <tr>
      <td colspan="5" valign="top" align="center">
        <h2>&nbsp;</h2>
        <p>&nbsp;</p>
      </td>
    </tr>
    <tr>
      <td colspan="5" valign="top" align="center">
        <p><b>CURRENT REPORT<br />
        PURSUANT TO SECTION 13 OR 15(d) OF THE<br />
        SECURITIES EXCHANGE ACT OF 1934</b></p>
      </td>
    </tr>
    <tr>
      <td valign="top" align="center"></td>
      <td colspan="3" valign="top">&nbsp;
        <p>&nbsp;</td>
      <td valign="top"></td>
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      <td valign="top" align="center"></td>
      <td colspan="3" valign="top"></td>
      <td valign="top"></td>
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    <tr>
      <td colspan="5" valign="top" align="center">
        <p align="center">Date of report (Date of earliest event reported):
        September 15, 2003</p>
      </td>
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    <tr>
      <td colspan="5" valign="top" align="center"></td>
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    <tr>
      <td colspan="2" valign="top" align="center">&nbsp;
        <p>&nbsp;</td>
      <td valign="top"></td>
      <td colspan="2" valign="top"></td>
    </tr>
    <tr>
      <td colspan="5" valign="top" align="center">
        <p align="center"><b>PFF BANCORP, INC.<br />
        </b>(Exact name of registrant as specified in its charter)</p>
      </td>
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    <tr>
      <td colspan="5" valign="top" align="center"></td>
    </tr>
    <tr>
      <td colspan="5" valign="top" align="center"></td>
    </tr>
    <tr>
      <td colspan="2" valign="top" align="center"></td>
      <td valign="top"></td>
      <td colspan="2" valign="top"></td>
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      <td colspan="2" valign="top" align="center">
        <h1><font size="3">Delaware</font></h1>
      </td>
      <td valign="top">
        <p align="center"><b>0-27404</b></p>
      </td>
      <td colspan="2" valign="top">
        <p align="center"><b>95-4561623</b></p>
      </td>
    </tr>
    <tr>
      <td colspan="2" valign="top" align="center">(State or other jurisdiction
        of incorporation)</td>
      <td valign="top">
        <p align="center">(Commission File Number)</p>
      </td>
      <td colspan="2" valign="top">
        <p align="center">(IRS Employer Identification No.)</p>
      </td>
    </tr>
    <tr>
      <td colspan="2" valign="top" align="center"></td>
      <td valign="top"></td>
      <td colspan="2" valign="top"></td>
    </tr>
    <tr>
      <td colspan="2" valign="top" align="center">&nbsp;
        <p>&nbsp;</td>
      <td valign="top"></td>
      <td colspan="2" valign="top"></td>
    </tr>
    <tr>
      <td colspan="2" valign="top" align="center"></td>
      <td valign="top"></td>
      <td colspan="2" valign="top"></td>
    </tr>
    <tr>
      <td colspan="3" valign="top" align="center">
        <p align="left"><b>350 South Garey Avenue<br />
        Pomona, CA<br />
        </b>(Address of principal executive offices)</p>
      </td>
      <td colspan="2" valign="top">
        <p align="center"><b><br />
        91766<br />
        </b>(Zip Code)</p>
      </td>
    </tr>
    <tr>
      <td colspan="3" valign="top" align="center"></td>
      <td colspan="2" valign="top"></td>
    </tr>
    <tr>
      <td colspan="3" valign="top" align="center">&nbsp;
        <p>&nbsp;</td>
      <td colspan="2" valign="top"></td>
    </tr>
    <tr>
      <td colspan="5" valign="top" align="center">
        <p align="center">Registrant's telephone number, including area code<b>:&nbsp;
        (909) 623-2323</b></p>
      </td>
    </tr>
    <tr>
      <td colspan="5" valign="top" align="center">&nbsp;
        <p>&nbsp;</td>
    </tr>
    <tr>
      <td colspan="5" valign="top" align="center"></td>
    </tr>
    <tr>
      <td colspan="5" valign="top" align="center">
        <p align="center"><b>Not Applicable</b></p>
        <p align="center">(Former name or former address, if changed since last
        report)</p>
      </td>
    </tr>
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&nbsp;
<p>&nbsp;</p>
<hr>
<p>&nbsp;</p>
<p>&nbsp;</p>
<table border="0" cellspacing="0" cellpadding="0">
  <tr>
    <td colspan="2" valign="top">
      <p><b>Items 1 through 4.</b></p>
    </td>
    <td valign="top">
      <p><b>Not applicable.</b></p>
    </td>
  </tr>
  <tr>
    <td colspan="2" valign="top"></td>
    <td valign="top">&nbsp;
      <p>&nbsp;</td>
  </tr>
  <tr>
    <td colspan="2" valign="top"><b>Item 5.</b></td>
    <td valign="top"><b>Other Events and Regulation FD Disclosure</b></td>
  </tr>
  <tr>
    <td colspan="2" valign="top"></td>
    <td valign="top">&nbsp;
      <p>&nbsp;</td>
  </tr>
  <tr>
    <td colspan="2" valign="top"></td>
    <td valign="top">On September 15, 2003, the Company issued a press release
      which is attached as Exhibit 99.1.</td>
  </tr>
  <tr>
    <td colspan="2" valign="top"></td>
    <td valign="top">&nbsp;
      <p>&nbsp;</td>
  </tr>
  <tr>
    <td colspan="2" valign="top"><b>Item 6.</b></td>
    <td valign="top"><b>Not applicable</b></td>
  </tr>
  <tr>
    <td valign="top"></td>
    <td valign="top"></td>
    <td valign="top">&nbsp;
      <p>&nbsp;</td>
  </tr>
  <tr>
    <td valign="top">
      <p><b>Item 7.</b></p>
    </td>
    <td valign="top"></td>
    <td valign="top">
      <p><b>Financial Statements and Exhibits</b></p>
    </td>
  </tr>
  <tr>
    <td valign="top"></td>
    <td valign="top"></td>
    <td valign="top">&nbsp;
      <p>&nbsp;</td>
  </tr>
  <tr>
    <td valign="top"></td>
    <td valign="top">
      <p>(a)</p>
    </td>
    <td valign="top">
      <p>No financial statements are required to be filed with this report.</p>
    </td>
  </tr>
  <tr>
    <td valign="top"></td>
    <td valign="top"></td>
    <td valign="top"></td>
  </tr>
  <tr>
    <td valign="top"></td>
    <td valign="top">
      <p>(b)</p>
    </td>
    <td valign="top">
      <p>No pro forma financial information is required to be filed with this
      report.<br />
      </p>
    </td>
  </tr>
  <tr>
    <td valign="top"></td>
    <td valign="top">
      <p>(c)</p>
    </td>
    <td valign="top">
      <p>The following exhibit is filed with this Report:</p>
    </td>
  </tr>
  <tr>
    <td valign="top"></td>
    <td valign="top"></td>
    <td valign="top">&nbsp;
      <p>&nbsp;</td>
  </tr>
  <tr>
    <td valign="top"></td>
    <td valign="top">
      <p><u>Exhibit No</u></p>
    </td>
    <td valign="top">
      <p><u>Description</u></p>
    </td>
  </tr>
  <tr>
    <td valign="top"></td>
    <td valign="top">
      <p>99.1</p>
    </td>
    <td valign="top">
      <p>Press release dated September 15, 2003, of PFF Bancorp, Inc. (&quot;the
      Company&quot;).<br />
      </p>
      <p>&nbsp;</p>
    </td>
  </tr>
  <tr>
    <td valign="top">
      <p><b>Items 8-12.</b></p>
    </td>
    <td valign="top"></td>
    <td valign="top">
      <p><b>Not applicable.</b></p>
    </td>
  </tr>
</table>
&nbsp;
<p>&nbsp;</p>
<hr>
<p>&nbsp;</p>
<div>
  <p>EXHIBIT INDEX</p>
  <table border="0" cellspacing="0" cellpadding="0" width="648">
    <tr>
      <td valign="top">
        <p align="center"><b><u>Exhibit</u></b></p>
      </td>
      <td valign="top">
        <p align="center"><b><u>Description</u></b></p>
      </td>
    </tr>
    <tr>
      <td valign="top">
        <p align="center">99.1</p>
      </td>
      <td valign="top">
        <p align="center">Press release dated September 15, 2003.</p>
      </td>
    </tr>
  </table>
  <p>&nbsp;</p>
</div>
&nbsp;
<p>&nbsp;</p>
<hr>
<p>&nbsp;</p>
<p>&nbsp;</p>
<div>
  <br clear="all" />
  <table border="0" cellspacing="0" cellpadding="0" height="293">
    <tr>
      <td colspan="3" valign="top" height="59">
        <p align="center"><b>SIGNATURES</b></p>
        <p align="center">&nbsp;</p>
      </td>
    </tr>
    <tr>
      <td colspan="3" valign="top" height="40">
        <p align="left">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.</p>
      </td>
    </tr>
    <tr>
      <td colspan="3" valign="top" height="13">
        <h1>&nbsp;</h1>
        <p>&nbsp;</p>
      </td>
    </tr>
    <tr>
      <td valign="top" height="21"></td>
      <td colspan="2" valign="top" height="21">
        <p><b>PFF BANCORP, INC.</b></p>
      </td>
    </tr>
    <tr>
      <td valign="top" height="59">&nbsp;
        <p>&nbsp;</td>
      <td valign="top" height="59"></td>
      <td valign="top" height="59"></td>
    </tr>
    <tr>
      <td valign="top" height="21"></td>
      <td valign="top" height="21">
        <p>By:</p>
      </td>
      <td valign="top" height="21">
        <p><u>/s/ Gregory C. Talbott</u></p>
      </td>
    </tr>
    <tr>
      <td valign="top" height="59"></td>
      <td valign="top" height="59"></td>
      <td valign="top" height="59">
        <p>Gregory C. Talbott<br />
        Executive Vice President and<br />
        Chief Financial Officer</p>
      </td>
    </tr>
    <tr>
      <td valign="top" height="21">
        <p>Date: September 15, 2003</p>
      </td>
      <td valign="top" height="21"></td>
      <td valign="top" height="21"></td>
    </tr>
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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": "03895382"}, "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 15, 2003
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 1 through 4.
Not applicable.
Item 5.
Other Events and Regulation FD Disclosure
On September 15, 2003, the Company issued a press release
      which is attached as Exhibit 99.1.
Item 6.
Not applicable
Item 7.
Financial Statements and Exhibits
(a)
No financial statements are required to be filed with this report.
(b)
No pro forma financial information is required to be filed with this
      report.
(c)
The following exhibit is filed with this Report:
Exhibit No
Description
99.1
Press release dated September 15, 2003, of PFF Bancorp, Inc. ("the
      Company").
Items 8-12.
Not applicable.
EXHIBIT INDEX
Exhibit
Description
99.1
Press release dated September 15, 2003.
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: September 15, 2003