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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>
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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>
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          <h2></h2>
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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>
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        <td vAlign="top" width="215">&nbsp;</td>
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          <p align="center"><font face="Times New Roman" size="3">Date of report
          (Date of earliest event reported): July 21, 2005</font></p>
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        <td vAlign="top" width="667" colSpan="5">&nbsp;</td>
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        <td vAlign="top" width="216" colSpan="2">&nbsp;</td>
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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>
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        <td vAlign="top" width="667" colSpan="5">&nbsp;</td>
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        <td vAlign="top" width="216" colSpan="2">&nbsp;</td>
        <td vAlign="top" width="202"></td>
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        <td vAlign="top" align="middle" width="216" colSpan="2"><font face="Times New Roman" size="3"><b>Delaware</b></font></td>
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          <p align="center"><font face="Times New Roman" size="3"><b>0-27404</b></font></p>
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          <p align="center"><font face="Times New Roman" size="3"><b>95-4561623</b></font></p>
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          <p align="center"><b><font face="Times New Roman Bold" size="3">(</font></b><font face="Times New Roman">State
          or other jurisdiction of<br>
          &nbsp;incorporation)</font></p>
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          <p align="center"><font face="Times New Roman" size="3">(Commission
          File Number)</font></p>
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        <td vAlign="top" width="245" colSpan="2">
          <p align="center"><font face="Times New Roman" size="3">(IRS Employer
          Identification No.)</font></p>
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        <td vAlign="top" width="216" colSpan="2">&nbsp;</td>
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          <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>
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          <p align="center"><b><font face="Times New Roman" size="3"><br>
          91766<br>
          </font></b><font size="3">(Zip Code)</font></p>
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        <td vAlign="top" width="420" colSpan="3">&nbsp;</td>
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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>
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        <td vAlign="top" width="667" colSpan="5">&nbsp;</td>
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          <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>
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        <td vAlign="top" width="667" colSpan="5">&nbsp;</td>
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          <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>
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        <td vAlign="top" width="667" colSpan="5">&nbsp;</td>
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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>
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        <td vAlign="top" width="667" colSpan="5">&nbsp;</td>
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          <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>
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        <td vAlign="top" width="667" colSpan="5">&nbsp;</td>
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          <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>
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        <td vAlign="top" width="667" colSpan="5">&nbsp;</td>
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          <p><font face="Times New Roman" size="3">[ ] Pre-commencement
          communications pursuant to Rule 13e-4(c) under the Exchange Act (17
          CFR<br>
          240.13e-4(c)).</font></p>
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  <p><b><font face="Times New Roman" size="3">Item
  2.02&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Results
  of Operations and Financial Condition.</font></b></p>
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          <p><font face="Times New Roman" size="3">On July 21, 2005, PFF
          Bancorp, Inc. announced its earnings for the three months ended June
          30, 2005.&nbsp; A copy of the press release dated July 21, 2005,
          describing the three months ended June 30, 2005 earnings is attached
          as Exhibit 99.1.<br>
          </font></p>
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  <p><b><font face="Times New Roman" color="black" size="3">Item
  9.01&nbsp;&nbsp;&nbsp;&nbsp;&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><u><font face="Times New Roman" color="black" size="3">Exhibit No.</font></u><font color="black" size="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  <u>Description</u></font></p>
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          <p align="center"><font face="Times New Roman" size="3">99.1</font></p>
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          <p><font face="Times New Roman" size="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
          PFF Bancorp, Inc. press release dated July 21, 2005.<br>
          </font></p>
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  <font face="Times New Roman" color="black" size="2"><br clear="all">
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          <p align="center"><font face="Times New Roman" size="3"><b><br>
          SIGNATURES</b></font></p>
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          <p align="left"><font face="Times New Roman" size="3">&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>
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          <h1>&nbsp;</h1>
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          <p><b><font face="Times New Roman" size="3">PFF BANCORP, INC.</font></b></p>
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        <td vAlign="top" width="288">&nbsp;</td>
        <td vAlign="top" width="39"></td>
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          <p><font face="Times New Roman" size="3">By:</font></p>
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          <p><u><font face="Times New Roman" size="3">/s/ Gregory C. Talbott</font></u></p>
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          <p><font face="Times New Roman" size="3">Gregory C. Talbott<br>
          Executive Vice President and<br>
          Chief Financial Officer</font></p>
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          <p><font face="Times New Roman" size="3">Date: July 27, 2005</font></p>
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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): July 21, 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
  2.02            Results
  of Operations and Financial Condition.
On July 21, 2005, PFF
          Bancorp, Inc. announced its earnings for the three months ended June
          30, 2005.  A copy of the press release dated July 21, 2005,
          describing the three months ended June 30, 2005 earnings 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 July 21, 2005.
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: July 27, 2005