<html>

<head>
4:
<meta name="GENERATOR" content="Microsoft FrontPage 4.0">
<meta name="ProgId" content="FrontPage.Editor.Document">
<title>UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington</title>
</head>

<body>

<div>
  <table border="0" cellspacing="0" cellpadding="0" width="668">
    <tr>
      <td colspan="5" valign="top" width="666">
        <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"></td>
      <td colspan="3" valign="top" width="179"></td>
      <td valign="top" width="215"></td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="666">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="5" valign="top" align="center" width="666">
        <h2><b><font size="3" face="Times New Roman">FORM</font></b> <font size="3">8-K</font></h2>
      </td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="666">
        <h2></h2>
      </td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="666">
        <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>
    <tr>
      <td valign="top" width="268">&nbsp;</td>
      <td colspan="3" valign="top" width="179"></td>
      <td valign="top" width="215"></td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="666">
        <p align="center"><font size="3" face="Times New Roman">Date of report
        (Date of earliest event reported): December 16, 2004</font></p>
      </td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="666">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="2" valign="top" width="269">&nbsp;</td>
      <td valign="top" width="178"></td>
      <td colspan="2" valign="top" width="215"></td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="666">
        <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="666">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="2" valign="top" width="269">&nbsp;</td>
      <td valign="top" width="178"></td>
      <td colspan="2" valign="top" width="215"></td>
    </tr>
    <tr>
      <td colspan="2" valign="top" align="center" width="269"><b><font size="3" face="Times New Roman">Delaware</font></b></td>
      <td valign="top" align="center" width="178">
        <p align="center"><b><font size="3" face="Times New Roman">0-27404</font></b></p>
      </td>
      <td colspan="2" valign="top" align="center" width="215">
        <p align="center"><b><font size="3" face="Times New Roman">95-4561623</font></b></p>
      </td>
    </tr>
    <tr>
      <td colspan="2" valign="top" align="center" width="269"><b><font size="3" face="Times New Roman Bold">(</font></b><font face="Times New Roman">State
        or other jurisdiction of <br>
        incorporation)</font></td>
      <td valign="top" align="center" width="178">
        <p align="center"><font size="3" face="Times New Roman">(Commission File
        Number)</font></p>
      </td>
      <td colspan="2" valign="top" align="center" width="215">
        <p align="center"><font size="3" face="Times New Roman">(IRS Employer
        Identification No.)</font></p>
      </td>
    </tr>
    <tr>
      <td colspan="2" valign="top" width="269">&nbsp;</td>
      <td valign="top" width="178"></td>
      <td colspan="2" valign="top" width="215"></td>
    </tr>
    <tr>
      <td colspan="2" valign="top" width="269">&nbsp;</td>
      <td valign="top" width="178"></td>
      <td colspan="2" valign="top" width="215"></td>
    </tr>
    <tr>
      <td colspan="3" valign="top" width="449">
        <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="215">
        <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>
    <tr>
      <td colspan="3" valign="top" width="449">&nbsp; </td>
      <td colspan="2" valign="top" width="215"></td>
    </tr>
    <tr>
      <td colspan="3" valign="top" width="449"></td>
      <td colspan="2" valign="top" width="215"></td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="666">
        <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="666">&nbsp; </td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="666">
        <p align="center"><b><font size="3" face="Times New Roman">Not
        Applicable</font></b><font size="3" face="Times New Roman"><br>
        (Former name or former address, if changed since last report)</font></td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="666">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="666"></td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="666">
        <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>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="666">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="666">
        <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="666">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="666">
        <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="666">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="666">
        <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="666">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="666">
        <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>
  <font size="2" face="Times New Roman"><br>
  <br clear="all" />
  </font>
  <hr>
  <p><b><font size="3" face="Times New Roman">Item
  8.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other
  Events.</font></b></p>
  <table border="0" cellspacing="0" cellpadding="0">
    <tr>
      <td valign="top">
        <p><font size="3" face="Times New Roman">On December 16, 2004, PFF
        Bancorp announced that its wholly owned subsidiary, PFF Bank &amp;
        Trust, plans to open a new full-service branch in Riverside, California
        during spring 2005. A copy of the press release dated December 16, 2004,
        describing the plans to open the new branch is attached as Exhibit 99.1.</font></p>
      </td>
    </tr>
  </table>
  <p><br>
  <b><font size="3" color="black" face="Times New Roman">Item
  9.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  Financial Statements and Exhibits.</font></b></p>
  <p><font size="3" color="black" face="Times New Roman">The following exhibit
  is filed with this report:</font></p>
  <p><u><font size="3" color="black" face="Times New Roman">Exhibit No.</font></u><font size="3" color="black">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  <u>Description</u></font></p>
  <table border="0" cellspacing="0" cellpadding="0" width="496">
    <tr>
      <td valign="top" width="43"></td>
      <td valign="top" width="449"></td>
    </tr>
    <tr>
      <td valign="top" width="43">
        <p align="center"><font size="3" face="Times New Roman">99.1</font></p>
      </td>
      <td valign="top" width="449">
        <p><font size="3" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        PFF Bancorp, Inc. press release dated December 16, 2004.<br />
        </font></p>
      </td>
    </tr>
  </table>
  <font size="2" color="black" face="Times New Roman"><br clear="all" />
  <br>
  </font>
  <hr>
  <p>&nbsp;</p>
  <table border="0" cellspacing="0" cellpadding="0">
    <tr>
      <td colspan="3" valign="top">
        <p align="center"><font size="3" face="Times New Roman"><b>SIGNATURES</b></font></td>
    </tr>
    <tr>
      <td colspan="3" valign="top">
        <p align="left"><font size="3" face="Times New Roman">&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 valign="top"><b><font size="3" face="Times New Roman">&nbsp;</font></b></td>
      <td colspan="2" valign="top"></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 and<br />
        Chief Financial Officer</font></p>
      </td>
    </tr>
    <tr>
      <td valign="top">
        <p><font size="3" face="Times New Roman">Date: December 21, 2004</font></p>
      </td>
      <td valign="top"></td>
      <td valign="top"></td>
    </tr>
  </table>
  <p>&nbsp;</p>
</div>

</body>

</html>
[{"type": "8-K", "sequence": "1", "filename": "pffb12162004form8k.htm", "description": "PFF BANCORP, INC DECEMBER 16, 2004 8K", "secsgml_size_bytes": 10937}]
{"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": "041218170"}, "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"}}
4:
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): December 16, 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 December 16, 2004, PFF
        Bancorp announced that its wholly owned subsidiary, PFF Bank &
        Trust, plans to open a new full-service branch in Riverside, California
        during spring 2005. A copy of the press release dated December 16, 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 December 16, 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: December 21, 2004