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10:
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      <P align=center><B><FONT face="Times New Roman" size=3>UNITED
      STATES<BR>SECURITIES AND EXCHANGE COMMISSION<BR>Washington, D.C.&nbsp;
      20549</FONT></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</FONT></H2></TD></TR>
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      <H2></H2></TD></TR>
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      <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</FONT></B></P></TD></TR>
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    <TD vAlign=top width="268">&nbsp; </TD>
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      <P align=center><FONT face="Times New Roman" size=3>Date of report (Date
      of earliest event reported): October 22, 2004</FONT></P></TD></TR>
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    <TD vAlign=top colSpan=5 width="668">&nbsp;</TD></TR>
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    <TD vAlign=top colSpan=2 width="269"></TD>
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    <TD vAlign=top colSpan=2 width="217"></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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      <p align="left"></TD></TR>
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    <TD vAlign=top colSpan=2 width="269">&nbsp;</TD>
    <TD vAlign=top width="178"></TD>
    <TD vAlign=top colSpan=2 width="217"></TD></TR>
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      <P align=center><B><FONT face="Times New Roman"
      size=3>Delaware</FONT></B></P></TD>
    <TD vAlign=top width="178">
      <P align=center><B><FONT face="Times New Roman"
      size=3>0-27404</FONT></B></P></TD>
    <TD vAlign=top colSpan=2 width="217">
      <P align=center><B><FONT face="Times New Roman"
      size=3>95-4561623</FONT></B></P></TD></TR>
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      <p align="center"><FONT face="Times New Roman Bold"
      size=3>(</FONT><FONT face="Times New Roman">State or other jurisdiction of<br>
      &nbsp;incorporation)</FONT></p>
    </TD>
    <TD vAlign=top width="178">
      <P align=center><FONT face="Times New Roman" size=3>(Commission File
      Number)</FONT></P></TD>
    <TD vAlign=top colSpan=2 width="217">
      <P align=center><FONT face="Times New Roman" size=3>(IRS Employer
      Identification No.)</FONT></P></TD></TR>
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    <TD vAlign=top colSpan=2 width="269"></TD>
    <TD vAlign=top width="178"></TD>
    <TD vAlign=top colSpan=2 width="217"></TD></TR>
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    <TD vAlign=top colSpan=2 width="269">&nbsp;</TD>
    <TD vAlign=top width="178"></TD>
    <TD vAlign=top colSpan=2 width="217"></TD></TR>
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    <TD vAlign=top colSpan=3 width="449">
      <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 width="217">
      <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=3 width="449"></TD>
    <TD vAlign=top colSpan=2 width="217"></TD></TR>
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    <TD vAlign=top colSpan=3 width="449">&nbsp;</TD>
    <TD vAlign=top colSpan=2 width="217"></TD></TR>
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      <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 width="668">&nbsp;</TD></TR>
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    <TD vAlign=top colSpan=5 width="668">
      <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>
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    <TD vAlign=top colSpan=5 width="668">&nbsp;</TD></TR>
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    <TD vAlign=top colSpan=5 width="668"></TD></TR>
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    <TD vAlign=top colSpan=5 width="668">
      <P><FONT face="Times New Roman" size=3>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></TR>
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    <TD vAlign=top colSpan=5 width="668">&nbsp;</TD></TR>
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      <P><FONT face="Times New Roman" size=3>[ ] Written communications pursuant
      to Rule 425 under the Securities Act (17 CFR 230.425).</FONT></P></TD></TR>
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    <TD vAlign=top colSpan=5 width="668">&nbsp;</TD></TR>
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    <TD vAlign=top colSpan=5 width="668">
      <P><FONT face="Times New Roman" size=3>[ ] Soliciting material pursuant to
      Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12).</FONT></P></TD></TR>
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    <TD vAlign=top colSpan=5 width="668">&nbsp;</TD></TR>
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    <TD vAlign=top colSpan=5 width="668">
      <P><FONT face="Times New Roman" size=3>[ ] Pre-commencement communications
      pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR
      240.14d-2(b)).</FONT></P></TD></TR>
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    <TD vAlign=top colSpan=5 width="668">&nbsp;</TD></TR>
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    <TD vAlign=top colSpan=5 width="668">
      <P><FONT face="Times New Roman" size=3>[ ] Pre-commencement communications
      pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR
      240.13e-4(c)).</FONT></P></TD></TR></TABLE><FONT face="Times New Roman"
size=2><BR clear=all></FONT>
<HR>

<P><B><FONT face="Times New Roman" size=3>Item
8.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other Events.</FONT></B></P>
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  <TR>
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      <P><FONT face="Times New Roman" size=3>On October 22, 2004, PFF Bancorp today announced that
      its wholly owned subsidiary, PFF Bank &amp; Trust, plans to open a new
      full-service branch in Rancho Cucamonga, California. A copy of the press
      release dated October 22, 2004, describing the plans to open the new
      branch is attached as Exhibit 99.1.</FONT></P></TD></TR></TABLE>
<P><B><FONT face="Times New Roman" color=black size=3><BR>Item
9.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Financial Statements and
Exhibits.</FONT></B></P>
<P><FONT face="Times New Roman" color=black size=3>The following exhibit is
filed with this report:</FONT></P>
<P><FONT face="Times New Roman" color=black
size=3><U>Exhibit</U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <U>No.</U></FONT><FONT
color=black size=3><U>Description</U></FONT></P>
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      <P align=center><FONT face="Times New Roman" size=3>99.1</FONT></P></TD>
    <TD vAlign=top>
      <P><FONT face="Times New Roman" size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; PFF
      Bancorp, Inc. press release dated October 22,
  2004.<BR></FONT></P></TD></TR></TABLE><FONT face="Times New Roman"
color=black size=2><BR clear=all></FONT>
<HR>

<P><FONT face="Times New Roman" color=black size=2><BR></FONT></P>
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      <P align=center><FONT face="Times New Roman"
      size=3><B>SIGNATURES</B></FONT></P></TD></TR>
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      <P align=left><FONT face="Times New Roman"
      size=3>&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></TD></TR>
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    <TD vAlign=top colSpan=3>
      <H1>&nbsp;</H1></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>&nbsp;</TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD></TR>
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      <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>
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    <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: October 26,
2004</FONT></P></TD>
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    <TD vAlign=top></TD></TR></TABLE>
<P>&nbsp;</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": "041097712"}, "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
10:
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): October 22, 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)
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 October 22, 2004, PFF Bancorp today announced that
      its wholly owned subsidiary, PFF Bank & Trust, plans to open a new
      full-service branch in Rancho Cucamonga, California. A copy of the press
      release dated October 22, 2004, describing the plans to open the new
      branch is attached as Exhibit 99.1.
Item
9.01        Financial Statements and
Exhibits.
The following exhibit is
filed with this report:
Exhibit
No.
Description
99.1
PFF
      Bancorp, Inc. press release dated October 22,
  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: October 26,
2004