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<title>PFF Bancorp, Inc.</title>
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<p ALIGN="CENTER"><b>UNITED STATES<br>
SECURITIES AND EXCHANGE COMMISSION<br>
Washington, D.C. 20549</b></p>
<p ALIGN="CENTER"><b>______________________________</b></p>
<p ALIGN="CENTER"><b>FORM 8-K<br>
CURRENT REPORT<br>
PURSUANT TO SECTION 13 OR 15(d) OF THE<br>
SECURITIES EXCHANGE ACT OF 1934</b></p>
<p ALIGN="CENTER"><b>______________________________</b></p>
<p ALIGN="CENTER">Date of report (Date of earliest event reported): August 12,
2003</p>
<p ALIGN="CENTER"><b><font FACE="Times New Roman Bold">PFF BANCORP, INC.</font></b><br>
(Exact name of registrant as specified in its charter)</p>
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  <center>
  <table CELLSPACING="0" BORDER="0" CELLPADDING="8" WIDTH="623" height="108">
    <tr>
      <td WIDTH="30%" VALIGN="BOTTOM" height="55">
        <p ALIGN="CENTER"><font size="3">Delaware<br>
        </font>(State or other jurisdiction of incorporation)</td>
      <td WIDTH="13%" VALIGN="TOP" height="55">&nbsp;</td>
      <td WIDTH="18%" VALIGN="BOTTOM" height="55">
        <p ALIGN="CENTER"><font size="3">0-27404<br>
        </font>(Commission File Number)</td>
      <td WIDTH="12%" VALIGN="TOP" height="55">&nbsp;</td>
      <td WIDTH="28%" VALIGN="BOTTOM" height="55">
        <p ALIGN="CENTER"><font size="3">95-4561623<br>
        </font>(IRS Employer Identification No.)</td>
    </tr>
    <tr>
      <td WIDTH="30%" VALIGN="BOTTOM" height="31"></td>
      <td WIDTH="13%" VALIGN="TOP" height="31"></td>
      <td WIDTH="18%" VALIGN="BOTTOM" height="31"></td>
      <td WIDTH="12%" VALIGN="TOP" height="31"></td>
      <td WIDTH="28%" VALIGN="BOTTOM" height="31"></td>
    </tr>
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      <td WIDTH="43%" VALIGN="bottom" colspan="2" align="center" height="1%">350
        South Garey Avenue<b><br>
        </b>Pomona, CA </td>
      <td WIDTH="18%" VALIGN="bottom" height="1%"></td>
      <td WIDTH="40%" VALIGN="bottom" colspan="2" height="1%">
        <p align="center"><br>
        91766</td>
    </tr>
    <tr>
      <td WIDTH="43%" VALIGN="top" colspan="2" align="center" height="21">(Address
        of principal executive offices)</td>
      <td WIDTH="18%" VALIGN="top" height="21"></td>
      <td WIDTH="40%" VALIGN="top" colspan="2" height="21">
        <p align="center">&nbsp;&nbsp;&nbsp; (Zip Code)</td>
    </tr>
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  </center>
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<p ALIGN="CENTER">&nbsp;<u><br>
</u>Registrant's telephone number, including area code<b>: (909) 623-2323</b></p>
<p ALIGN="CENTER"><b>Not Applicable<br>
</b>(Former name or former address, if changed since last report)</p>
<p ALIGN="CENTER">&nbsp;</p>
<hr>
<p ALIGN="CENTER">&nbsp;</p>
<b>
<p><font size="3">Items 1 through 6.</font></b><font size="3"> <b>Not
applicable.</b></font></p>
<p><font size="3"><b>Item 7. Financial Statements and Exhibits</b></font></p>
<blockquote>
  <p><font size="3">(a)&nbsp;&nbsp;&nbsp;&nbsp; No financial statements are
  required to be filed with this report.</font></p>
  <p><font size="3">(b)&nbsp;&nbsp;&nbsp;&nbsp; No pro forma financial
  information is required to be filed with this report.</font></p>
  <p><font size="3">(c)&nbsp;&nbsp;&nbsp;&nbsp; The following exhibit is filed
  with this Report:</font></p>
  <p><font size="3"><u>Exhibit No.</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>Description</u></font></p>
  <p><font size="3">99.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  Analyst and Investor Meeting Presentation dated August 12, 2003, of PFF
  Bancorp, Inc. (&quot;the Company&quot;).</font></p>
</blockquote>
<p><font size="3"><b>Item 8. Not applicable.</b></font></p>
<p><font size="3"><b>Item 9. Regulation FD</b></font></p>
<p><font size="3">&nbsp;&nbsp;&nbsp;&nbsp; The following information is furnished under this Item 9 in
satisfaction of Item 12, &quot;Disclosure of Results of Operations and Financial
Condition.&quot;<br>
<br>
&nbsp;&nbsp;&nbsp;&nbsp; On August 12, 2003, representatives of the Company met
with analysts and investors.&nbsp; The Company's presentation is attached as
Exhibit 99.1.<br>
<br>
<b>Item 10-11. Not applicable.<br>
</b><br>
<b>Item 12. Results of Operations and Financial Condition<br>
</b><br>
See Item 9 per SEC Release 33-8216, March 27, 2003.<br>
</font></p>
<hr>
<font FACE="Times New Roman Bold">
<p ALIGN="CENTER"><font size="3">EXHIBIT INDEX</font></p>
</font>
<table CELLSPACING="0" BORDER="0" WIDTH="648">
  <tr>
    <td WIDTH="18%" VALIGN="TOP"><b><u><font FACE="Times New Roman Bold">
      <p ALIGN="CENTER"><font size="3">Exhibi</font></font><font size="3">t</font></u></b></td>
    <td WIDTH="82%" VALIGN="TOP"><b><u><font FACE="Times New Roman Bold">
      <p ALIGN="CENTER"><font size="3">Description</font></font></u></b></td>
  </tr>
  <tr>
    <td WIDTH="18%" VALIGN="TOP">
      <p ALIGN="CENTER"><font size="3">99.1</font></td>
    <td WIDTH="82%" VALIGN="TOP">
      <p ALIGN="CENTER"><font size="3">Investor and Analyst Meeting Presentation
      dated August 12, 2003</font></td>
  </tr>
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<b>
<p>&nbsp;</p>
<hr>
<p>&nbsp;</p>
</b>
<p align="center"><font size="3"><b>SIGNATURES</b></font></p>
<p><font size="3"><br>
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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    <td width="49%" height="179"></td>
    <td width="51%" colspan="2" height="179"><font size="3"><b>PFF BANCORP, INC.</b></font>
      <p>&nbsp;</p>
      <p>&nbsp;</p>
      <p>&nbsp;</td>
  </tr>
  <tr>
    <td width="49%" height="27"></td>
    <td width="51%" height="27" colspan="2"><font size="3">By: <u>/s/ Gregory C.
      Talbott</u></font></td>
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    <td width="49%" height="15"></td>
    <td width="4%" height="15"></td>
    <td width="47%" height="15"><font size="3">Gregory C. Talbott<br>
      Executive Vice President and<br>
      Chief Financial Officer</font></td>
  </tr>
  <tr>
    <td width="49%" height="19"><font size="3">Date: August 12, 2003</font></td>
    <td width="4%" height="19"></td>
    <td width="47%" height="19"></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": "03843025"}, "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"}}
PFF Bancorp, Inc.
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 12,
2003
PFF BANCORP, INC.
(Exact name of registrant as specified in its charter)
Delaware
(State or other jurisdiction of incorporation)
0-27404
(Commission File Number)
95-4561623
(IRS Employer Identification No.)
350
        South Garey Avenue
Pomona, CA
91766
(Address
        of principal executive offices)
(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 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                
  Analyst and Investor Meeting Presentation dated August 12, 2003, of PFF
  Bancorp, Inc. ("the Company").
Item 8. Not applicable.
Item 9. Regulation FD
The following information is furnished under this Item 9 in
satisfaction of Item 12, "Disclosure of Results of Operations and Financial
Condition."
On August 12, 2003, representatives of the Company met
with analysts and investors.  The Company's presentation is attached as
Exhibit 99.1.
Item 10-11. Not applicable.
Item 12. Results of Operations and Financial Condition
See Item 9 per SEC Release 33-8216, March 27, 2003.
EXHIBIT INDEX
Exhibi
t
Description
99.1
Investor and Analyst Meeting Presentation
      dated August 12, 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: August 12, 2003