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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>
      </td>
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        <h2></h2>
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      <td colspan="5" valign="top">
        <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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        <p><b><font size="3" face="Times New Roman Bold"><br />
        </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): August 24, 2005</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>
      </td>
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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>
      </td>
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        <p style="margin-top: 1; margin-bottom: 1" align="center"><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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      <td colspan="2" valign="top">
        <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 />
        </font></p>
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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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      <td colspan="5" valign="top">
        <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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      <td colspan="5" valign="top">
        <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>
      </td>
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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>
      </td>
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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>
      </td>
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      <td colspan="5" valign="top">
        <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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  <p>&nbsp;</p>
  <hr>
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        </font><b><font size="3" face="Times New Roman">Item
        1.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Entry into a Material
        Definitive Agreement.</font></b>
        <p><u><font size="3" color="black" face="Times New Roman">Amendment to
        Performance-Based Awards</font></u></p>
        <p><font size="3" color="black" face="Times New Roman">As described in
        our Form 8-K filed with the Securities and Exchange Commission on June
        1, 2005, certain employees, including executive officers, of PFF
        Bancorp, Inc. (the &quot;Registrant&quot;), on May 24, 2005 were granted
        performance-based awards pursuant to the Registrant's 2004 Equity
        Incentive Plan (the &quot;Plan&quot;).&nbsp; Three sets of awards were
        granted, the first payable after March 31, 2006, the second payable
        after March 31, 2007 and the third payable after March 31, 2008.</font></p>
        <p><font size="3" color="black" face="Times New Roman">The awards were
        structured such that the Registrant must achieve certain targets in
        three of the following six performance criteria during the applicable
        measurement period for awards to be vested: (i) return on average
        equity, (ii) total return, (iii) diluted earnings per share growth
        percentage, (iv) efficiency ratio, (v) increase in number of deposit
        households, and (vi) growth in the &quot;Four-Cs&quot; (commercial,
        construction and land, commercial real estate and equity based consumer
        loans).&nbsp; Notwithstanding the foregoing, no award would vest and be
        paid if the Registrant did not achieve the financial target in the
        diluted earnings per share growth percentage category.&nbsp; A detailed
        description of the awards can be found in our Form 8-K filed on June 1,
        2005.&nbsp;</font></p>
        <p><font size="3" color="black" face="Times New Roman">On August 24,
        2005, the Employee Compensation and Benefits Committee of the
        Registrant's Board of Directors, as administrator of the Plan, amended
        the awards.&nbsp; The extent of the amendment was to substitute &quot;change
        in net interest margin&quot; for &quot;total return&quot; as one of the
        six performance criteria in the awards.&nbsp; This change was instituted
        to avoid possible adverse accounting consequences that could result from
        the use of &quot;total return&quot; as one of the performance criteria,
        which could be viewed a market-based criteria rather than a criteria
        based on the Registrant's performance.</font></p>
        <p><font size="3" face="Times New Roman">Forms of the Amended and
        Restated 2006 Award Agreement, the Amended and Restated 2007 Award
        Agreement and the Amended and Restated 2008 Award Agreement are filed
        herewith.</font></p>
        <p><b><font face="Times New Roman" size="3">Item
        9.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Financial Statements and
        Exhibits</font></b></p>
        <p><font size="3"><b><font face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></b>
        (c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        <u>Exhibit No.</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>Description</u></font></p>
        <p style="margin-top: 1; margin-bottom: 1"><font face="Times New Roman" size="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        10.15&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        Form of Amended and Restated Performance-Based
        Award&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        </font></p>
        <p style="margin-top: 1; margin-bottom: 1"><font face="Times New Roman" size="3">&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;&nbsp;
        Agreement payable March 31, 2006&nbsp; </font></p>
        <p style="margin-top: 1; margin-bottom: 1"><font face="Times New Roman" size="3">&nbsp;&nbsp;&nbsp;
        </font></p>
        <p style="word-spacing: 0; margin-top: 1; margin-bottom: 1"><font face="Times New Roman" size="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        10.16&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        Form of Amended and Restated Performance-Based Award </font></p>
        <p style="word-spacing: 0; margin-top: 1; margin-bottom: 1"><font face="Times New Roman" size="3">&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;&nbsp;
        Agreement payable March 31, 2007</font></p>
        <p style="word-spacing: 0; margin-top: 1; margin-bottom: 1">&nbsp;</p>
        <p style="margin-top: 1; margin-bottom: 1"><font face="Times New Roman" size="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        10.17&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        Form of Amended and Restated Performance-Based Award </font></p>
        <p style="margin-top: 1; margin-bottom: 1"><font face="Times New Roman" size="3">&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;&nbsp;
        Agreement payable March 31, 2008</font></p>
        <font size="2" color="black" face="Times New Roman"><br clear="all" />
        </font></td>
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  <p>&nbsp;</p>
  <hr>
  <p style="margin-top: 1; margin-bottom: 1">&nbsp;</p>
  <table border="0" cellspacing="0" cellpadding="0">
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        <p align="center"><b><font size="3" face="Times New Roman">SIGNATURES</font></b></p>
        <p align="center">&nbsp;</p>
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      <td colspan="3" valign="top">
        <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>
        <p>&nbsp;</p>
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        <p align="center"></p>
      </td>
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      <td colspan="2" valign="top">
        <p><b><font size="3" face="Times New Roman">PFF BANCORP, INC.</font></b></p>
      </td>
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        <p>&nbsp;</p>
      </td>
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      <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>
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      <td valign="top">
        <p><font size="3" face="Times New Roman">Gregory C. Talbott<br />
        Executive Vice President and<br />
        Chief Financial Officer</font></p>
      </td>
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      <td valign="top">
        <p><font size="3" face="Times New Roman">Date: August 29, 2005</font></p>
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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": "051055359"}, "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): August 24, 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.
Amendment to
        Performance-Based Awards
As described in
        our Form 8-K filed with the Securities and Exchange Commission on June
        1, 2005, certain employees, including executive officers, of PFF
        Bancorp, Inc. (the "Registrant"), on May 24, 2005 were granted
        performance-based awards pursuant to the Registrant's 2004 Equity
        Incentive Plan (the "Plan").  Three sets of awards were
        granted, the first payable after March 31, 2006, the second payable
        after March 31, 2007 and the third payable after March 31, 2008.
The awards were
        structured such that the Registrant must achieve certain targets in
        three of the following six performance criteria during the applicable
        measurement period for awards to be vested: (i) return on average
        equity, (ii) total return, (iii) diluted earnings per share growth
        percentage, (iv) efficiency ratio, (v) increase in number of deposit
        households, and (vi) growth in the "Four-Cs" (commercial,
        construction and land, commercial real estate and equity based consumer
        loans).  Notwithstanding the foregoing, no award would vest and be
        paid if the Registrant did not achieve the financial target in the
        diluted earnings per share growth percentage category.  A detailed
        description of the awards can be found in our Form 8-K filed on June 1,
        2005.
On August 24,
        2005, the Employee Compensation and Benefits Committee of the
        Registrant's Board of Directors, as administrator of the Plan, amended
        the awards.  The extent of the amendment was to substitute "change
        in net interest margin" for "total return" as one of the
        six performance criteria in the awards.  This change was instituted
        to avoid possible adverse accounting consequences that could result from
        the use of "total return" as one of the performance criteria,
        which could be viewed a market-based criteria rather than a criteria
        based on the Registrant's performance.
Forms of the Amended and
        Restated 2006 Award Agreement, the Amended and Restated 2007 Award
        Agreement and the Amended and Restated 2008 Award Agreement are filed
        herewith.
Item
        9.01        Financial Statements and
        Exhibits
(c)
Exhibit No.
Description
10.15               
        Form of Amended and Restated Performance-Based
        Award
Agreement payable March 31, 2006
10.16               
        Form of Amended and Restated Performance-Based Award
Agreement payable March 31, 2007
10.17               
        Form of Amended and Restated Performance-Based Award
Agreement payable March 31, 2008
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: August 29, 2005