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<title>UNITED STATES SECURITIES AND EXC</title>
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			<p align="center"><b>UNITED STATES<br>
			SECURITIES AND EXCHANGE COMMISSION<br>
			Washington, D.C.&nbsp; 20549</b></td>
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			<td valign="top" width="318">&nbsp;</td>
			<td colspan="3" valign="top" style="border-bottom: 1px solid #000000">&nbsp;</td>
			<td valign="top" width="268"></td>
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			<td colspan="5" valign="top">&nbsp;</td>
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			<p align="center"><b>FORM 8-K</b></td>
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			<td colspan="5" valign="top">
			<h2 style="margin-top: 1px; margin-bottom: 1px">&nbsp;</h2>
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			<td colspan="5" valign="top">
			<p align="center"><b>CURRENT REPORT<br>
			PURSUANT TO SECTION 13 OR 15(d) OF THE<br>
			SECURITIES EXCHANGE ACT OF 1934</b></td>
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			<td valign="top" width="318">&nbsp;</td>
			<td colspan="3" valign="top" style="border-bottom: 1px solid #000000">&nbsp;</td>
			<td valign="top" width="268"></td>
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			<td colspan="5" valign="top">
			<p align="center" style="margin-top: 1px; margin-bottom: 1px">&nbsp;<p align="center" style="margin-top: 1px; margin-bottom: 1px">Date of report (Date of earliest event reported):
			October 25, 2006</td>
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			<td colspan="2" valign="top">&nbsp;</td>
			<td valign="top" width="214"></td>
			<td colspan="2" valign="top"></td>
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			<td colspan="5" valign="top">
			<p align="center"><b>PFF BANCORP, INC.<br>
			</b>(Exact name of registrant as specified in its charter)</td>
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			<td colspan="5" valign="top">&nbsp;</td>
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			<td colspan="2" valign="top"></td>
			<td valign="top" width="214"></td>
			<td colspan="2" valign="top"></td>
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			<td colspan="2" valign="top">
			<p align="center"><b>Delaware</b></td>
			<td valign="top" width="214">
			<p align="center"><b>001-16845</b></td>
			<td colspan="2" valign="top">
			<p align="center"><b>95-4561623</b></td>
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			<td colspan="2" valign="top">
			<p align="center">&nbsp;&nbsp;(State or other jurisdiction of incorporation)</td>
			<td valign="top" width="214">
			<p align="center">(Commission File Number)</td>
			<td colspan="2" valign="top">
			<p align="center">(IRS Employer Identification No.)</td>
		</tr>
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			<td colspan="2" valign="top">&nbsp;</td>
			<td valign="top" width="214"></td>
			<td colspan="2" valign="top"></td>
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			<td colspan="2" valign="top"></td>
			<td valign="top" width="214"></td>
			<td colspan="2" valign="top"></td>
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			<td colspan="3" valign="top"><b>9337 Milliken Avenue<br>
			Rancho Cucamonga, CA<br>
			</b>(Address of principal executive offices)</td>
			<td colspan="2" valign="top">
			<p align="center"><b><br>
			91730<br>
			</b>(Zip Code)</td>
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			<td colspan="3" valign="top">&nbsp;</td>
			<td colspan="2" valign="top"></td>
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			<td colspan="3" valign="top">
			<p style="margin-top: 1px; margin-bottom: 1px">&nbsp; </td>
			<td colspan="2" valign="top">
			<p align="center" style="margin-top: 1px; margin-bottom: 1px">&nbsp;</td>
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			<td colspan="5" valign="top" height="42">
			<p align="center" style="margin-top: 1px; margin-bottom: 1px">
			Registrant's telephone number, including area code<b>:&nbsp; (909)
			941-5400</b></td>
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			<td colspan="5" valign="top">&nbsp;</td>
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			<td colspan="5" valign="top">
			<p align="center"><b>Not Applicable<br>
			</b>(Former name or former address, if changed since last report)</td>
		</tr>
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			<td colspan="5" valign="top">&nbsp;</td>
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			<td colspan="5" valign="top">
			<p align="left" style="margin-top: 1px; margin-bottom: 1px">&nbsp;&nbsp;
			Check the appropriate box below if the Form 8-K filing is intended
			to simultaneously satisfy the filing obligation of the registrant
			under </p>
			<p align="left" style="margin-top: 1px; margin-bottom: 1px">&nbsp;&nbsp;&nbsp;
			any of the following provisions:</td>
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			<td colspan="5" valign="top">&nbsp;</td>
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			<td colspan="5" valign="top">[ ] Written communications pursuant to
			Rule 425 under the Securities Act (17 CFR 230.425).</td>
		</tr>
		<tr>
			<td colspan="5" valign="top">&nbsp;</td>
		</tr>
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			<td colspan="5" valign="top">[ ] Soliciting material pursuant to
			Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12).</td>
		</tr>
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			<td colspan="5" valign="top">&nbsp;</td>
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			<td colspan="5" valign="top">[ ] Pre-commencement communications
			pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR
			240.14d-2(b)).</td>
		</tr>
		<tr>
			<td colspan="5" valign="top">&nbsp;</td>
		</tr>
		<tr>
			<td colspan="5" valign="top">[ ] Pre-commencement communications
			pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR
			240.13e-4(c)).</td>
		</tr>
	</table>
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	<hr>
	<p><b>Item 1.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Entry into a
	Material Definitive Agreement.</b></p>
	<p><u>Amendment to 2007 and 2008 Performance-Based Awards</u></p>
	<p></p>
	<p>As described in our Form 8-K filed with the Securities and Exchange
	Commission on June 1, 2005, and in our Form 8-K filed with the Securities
	and Exchange Commission on August 29, 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;) and on August 25, 2005, these awards were
	amended to avoid possible adverse accounting consequences.&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.</p>
	<p></p>
	<p>The awards are payable in shares of the Registrant's common stock.&nbsp;
	Vesting and payment of the awards will occur only upon the achievement by
	the Registrant of certain financial targets during the performance measuring
	periods.&nbsp; The measurement period for the 2007 awards began on April 1,
	2004 and ends on March 31, 2007.&nbsp; The measurement period for the 2008
	awards began on April 1, 2005 and ends on March 31, 2008.&nbsp; As amended,
	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) change in net interest margin,
	(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; A description of the August 2005 amendments can be found
	in our Form 8-K filed on August 29, 2005.</p>
	<p></p>
	<p>On October 25, 2006, the Employee Compensation and Benefits Committee of
	the Registrant's Board of Directors, as administrator of the Plan, amended
	the awards payable after March 31, 2007 and after March 31, 2008.&nbsp; The
	extent of the amendment was to increase the performance-based share
	potential, in order to adjust participation levels in recognition of
	promotions and job reassignments since the adoption of the Plan in May 2005.&nbsp;
	Accordingly, participation levels will be prorated for the time the affected
	individuals are serving in their new roles.&nbsp; For example, in order to
	account for Kevin McCarthy's promotion in 2006 to the positions of President
	and Chief Executive Officer, his participation level will be increased to
	equate to his original shares, plus one-third of the difference between the
	prior Chief Operating Officer share level and the new President and Chief
	Executive Officer share level.&nbsp; The applicable measurement periods for
	achievement of the target performance criteria will not change.&nbsp;
	Notwithstanding the foregoing, the prorated increase in the award will not
	vest or be paid if the Registrant does not achieve the financial target in
	the diluted earnings per share growth percentage category from the date of
	the grant of the additional shares through the end of the performance
	periods (that is, October 25, 2006 through March 31, 2007 and October 25,
	2006 through March 31, 2008).</p>
	<hr>
	<p></p>
	<p>The table below sets forth the minimum and maximum number of shares of
	common stock to be granted under the Plan to each of the Registrant's
	executive officers affected by the adjusted participation levels, assuming
	the performance targets are met.</p>
	<p>&nbsp;</p>
	<p></p>
	<table border="0" cellspacing="0" cellpadding="0" width="886">
		<tr>
			<td valign="top" width="314">
			<p align="center"><b>Name/Current Position</b></td>
			<td valign="top" width="154"></td>
			<td colspan="5" valign="top">
			<p align="center"><b>2007</b></td>
			<td colspan="5" valign="top">
			<p align="center"><b>2008</b></td>
		</tr>
		<tr>
			<td valign="top" width="314"></td>
			<td valign="top" width="154">&nbsp;</td>
			<td valign="top" width="132" colspan="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
			Minimum</td>
			<td valign="top" width="97" colspan="2">&nbsp;Maximum</td>
			<td valign="top" width="94" colspan="2">&nbsp;&nbsp; Minimum</td>
			<td valign="top" width="94" colspan="3">&nbsp;&nbsp;&nbsp; Maximum</td>
		</tr>
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			<td rowspan="3" valign="top" width="314">
			<p style="margin-top: 1px; margin-bottom: 1px">Kevin McCarthy</p>
			<p style="margin-top: 1px; margin-bottom: 1px">President and Chief
			Executive </p>
			<p style="margin-top: 1px; margin-bottom: 1px">Officer</p>
			<p style="margin-top: 1px; margin-bottom: 1px">&nbsp;</td>
			<td valign="bottom" width="154" height="27">Original Level</td>
			<td valign="bottom" width="42" height="27">
			<p align="right">&nbsp;</td>
			<td valign="bottom" width="53" height="27">&nbsp; 5,340</td>
			<td valign="bottom" width="37" height="27">&nbsp;</td>
			<td valign="bottom" width="58" height="27">
			<p align="right">17,601</td>
			<td valign="bottom" width="42" height="27">&nbsp;</td>
			<td valign="bottom" width="61" height="27">
			<p align="right">7,970</td>
			<td valign="bottom" width="35" height="27">&nbsp;</td>
			<td valign="bottom" width="21" height="27">&nbsp;</td>
			<td valign="bottom" width="64" height="27">
			<p align="right">26,270</td>
			<td valign="bottom" width="9" height="27">&nbsp;</td>
		</tr>
		<tr>
			<td valign="bottom" width="154" height="27">Prorated Addition</td>
			<td valign="bottom" width="42" height="27">&nbsp;</td>
			<td valign="bottom" width="53" height="27" style="border-bottom: 1px solid #000000">
			&nbsp;
			1,444</td>
			<td valign="bottom" width="37" height="27">&nbsp;</td>
			<td valign="bottom" width="58" height="27" style="border-bottom: 1px solid #000000">
			<p align="right">7,811</td>
			<td valign="bottom" width="42" height="27">&nbsp;</td>
			<td valign="bottom" width="61" height="27" style="border-bottom: 1px solid #000000">
			<p align="right">4,375</td>
			<td valign="bottom" width="35" height="27">&nbsp;</td>
			<td valign="bottom" width="21" height="27">&nbsp;</td>
			<td valign="bottom" width="64" height="27" style="border-bottom: 1px solid #000000">
			<p align="right">23,671</td>
			<td valign="bottom" width="9" height="27">&nbsp;</td>
		</tr>
		<tr>
			<td valign="bottom" width="154" height="30">New Level</td>
			<td valign="bottom" width="42" height="30">
			<p align="right">&nbsp;</td>
			<td valign="bottom" width="53" height="30" style="border-bottom: 3px double #000000">
			&nbsp;
			6,784</td>
			<td valign="bottom" width="37" height="30">&nbsp;</td>
			<td valign="bottom" width="58" height="30" style="border-bottom: 3px double #000000">
			<p align="right">25,412</td>
			<td valign="bottom" width="42" height="30">&nbsp;</td>
			<td valign="bottom" width="61" height="30" style="border-bottom: 3px double #000000">
			<p align="right">12,345</td>
			<td valign="bottom" width="35" height="30">&nbsp;</td>
			<td valign="bottom" width="21" height="30">&nbsp;</td>
			<td valign="bottom" width="64" height="30" style="border-bottom: 3px double #000000">
			<p align="right">49,941</td>
			<td valign="bottom" width="9" height="30">&nbsp;</td>
		</tr>
		<tr>
			<td rowspan="3" valign="top" width="314">
			<p style="margin-top: 1px; margin-bottom: 1px">&nbsp;</p>
			<p style="margin-top: 1px; margin-bottom: 1px">Gregory C. Talbott</p>
			<p style="margin-top: 1px; margin-bottom: 1px">Senior Executive Vice
			President, Chief </p>
			<p style="margin-top: 1px; margin-bottom: 1px">Operating Officer,
			Chief Financial Officer </p>
			<p style="margin-top: 1px; margin-bottom: 1px">and Treasurer</p>
			<p style="margin-top: 1px; margin-bottom: 1px">&nbsp;</td>
			<td valign="bottom" width="154">Original Level</td>
			<td valign="bottom" width="42">
			<p align="right">&nbsp;</td>
			<td valign="bottom" width="53">&nbsp; 5,340</td>
			<td valign="bottom" width="37">&nbsp;</td>
			<td valign="bottom" width="58">
			<p align="right">17,601</td>
			<td valign="bottom" width="42">&nbsp;</td>
			<td valign="bottom" width="61">
			<p align="right">7,970</td>
			<td valign="bottom" width="35">&nbsp;</td>
			<td valign="bottom" width="21">&nbsp;</td>
			<td valign="bottom" width="64">
			<p align="right">26,270</td>
			<td valign="bottom" width="9">&nbsp;</td>
		</tr>
		<tr>
			<td valign="bottom" width="154">Prorated Addition</td>
			<td valign="bottom" width="42">&nbsp;</td>
			<td valign="bottom" width="53" style="border-bottom: 1px solid #000000">&nbsp;&nbsp;&nbsp;&nbsp;
			648</td>
			<td valign="bottom" width="37">&nbsp;</td>
			<td valign="bottom" width="58" style="border-bottom: 1px solid #000000">
			<p align="right">4,406</td>
			<td valign="bottom" width="42">&nbsp;</td>
			<td valign="bottom" width="61" style="border-bottom: 1px solid #000000">
			<p align="right">1,963</td>
			<td valign="bottom" width="35">&nbsp;</td>
			<td valign="bottom" width="21">&nbsp;</td>
			<td valign="bottom" width="64" style="border-bottom: 1px solid #000000">
			<p align="right">13,353</td>
			<td valign="bottom" width="9">&nbsp;</td>
		</tr>
		<tr>
			<td valign="bottom" width="154">New Level</td>
			<td valign="bottom" width="42">&nbsp;</td>
			<td valign="bottom" width="53" style="border-bottom: 3px double #000000">
			&nbsp;
			5,988</td>
			<td valign="bottom" width="37">&nbsp;</td>
			<td valign="bottom" width="58" style="border-bottom: 3px double #000000">
			<p align="right">22,007</td>
			<td valign="bottom" width="42">&nbsp;</td>
			<td valign="bottom" width="61" style="border-bottom: 3px double #000000">
			<p align="right">9,933</td>
			<td valign="bottom" width="35">&nbsp;</td>
			<td valign="bottom" width="21">&nbsp;</td>
			<td valign="bottom" width="64" style="border-bottom: 3px double #000000">
			<p align="right">39,623</td>
			<td valign="bottom" width="9">&nbsp;</td>
		</tr>
		<tr>
			<td rowspan="3" valign="top" width="314">
			<p style="margin-top: 1px; margin-bottom: 1px">&nbsp;</p>
			<p style="margin-top: 1px; margin-bottom: 1px">Jerald W. Groene</p>
			<p style="margin-top: 1px; margin-bottom: 1px">Executive Vice
			President and </p>
			<p style="margin-top: 1px; margin-bottom: 1px">Chief Lending Officer</p>
			<p style="margin-top: 1px; margin-bottom: 1px">&nbsp;</td>
			<td valign="bottom" width="154">Original Level</td>
			<td valign="bottom" width="42">&nbsp;</td>
			<td valign="bottom" width="53">&nbsp; 3,397</td>
			<td valign="bottom" width="37">&nbsp;</td>
			<td valign="bottom" width="58">
			<p align="right">10,921</td>
			<td valign="bottom" width="42">&nbsp;</td>
			<td valign="bottom" width="61">
			<p align="right">5,070</td>
			<td valign="bottom" width="35">&nbsp;</td>
			<td valign="bottom" width="21">&nbsp;</td>
			<td valign="bottom" width="64">
			<p align="right">16,300</td>
			<td valign="bottom" width="9">&nbsp;</td>
		</tr>
		<tr>
			<td valign="bottom" width="154">Prorated Addition</td>
			<td valign="bottom" width="42">&nbsp;</td>
			<td valign="bottom" width="53" style="border-bottom: 1px solid #000000">&nbsp;&nbsp;&nbsp;&nbsp;
			493</td>
			<td valign="bottom" width="37">&nbsp;</td>
			<td valign="bottom" width="58" style="border-bottom: 1px solid #000000">
			<p align="right">1,592</td>
			<td valign="bottom" width="42">&nbsp;</td>
			<td valign="bottom" width="61" style="border-bottom: 1px solid #000000">
			<p align="right">1,494</td>
			<td valign="bottom" width="35">&nbsp;</td>
			<td valign="bottom" width="21">&nbsp;</td>
			<td valign="bottom" width="64" style="border-bottom: 1px solid #000000">
			<p align="right">4,824</td>
			<td valign="bottom" width="9">&nbsp;</td>
		</tr>
		<tr>
			<td valign="bottom" width="154">New Level</td>
			<td valign="bottom" width="42">&nbsp;</td>
			<td valign="bottom" width="53" style="border-bottom: 3px double #000000">
			&nbsp;
			3,890</td>
			<td valign="bottom" width="37">&nbsp;</td>
			<td valign="bottom" width="58" style="border-bottom: 3px double #000000">
			<p align="right">12,513</td>
			<td valign="bottom" width="42">&nbsp;</td>
			<td valign="bottom" width="61" style="border-bottom: 3px double #000000">
			<p align="right">6,564</td>
			<td valign="bottom" width="35">&nbsp;</td>
			<td valign="bottom" width="21">&nbsp;</td>
			<td valign="bottom" width="64" style="border-bottom: 3px double #000000">
			<p align="right">21,124</td>
			<td valign="bottom" width="9">&nbsp;</td>
		</tr>
		<tr>
			<td rowspan="3" valign="top" width="314">
			<p style="margin-top: 1px; margin-bottom: 1px">&nbsp;</p>
			<p style="margin-top: 1px; margin-bottom: 1px">Linda Scullin</p>
			<p style="margin-top: 1px; margin-bottom: 1px">Executive Vice
			President and </p>
			<p style="margin-top: 1px; margin-bottom: 1px">Chief Banking
			Administrator</p>
			<p style="margin-top: 1px; margin-bottom: 1px">&nbsp;</td>
			<td valign="bottom" width="154">Original Level</td>
			<td valign="bottom" width="42">&nbsp;</td>
			<td valign="bottom" width="53">&nbsp; 2,915</td>
			<td valign="bottom" width="37">&nbsp;</td>
			<td valign="bottom" width="58">
			<p align="right">8,496</td>
			<td valign="bottom" width="42">&nbsp;</td>
			<td valign="bottom" width="61">
			<p align="right">4,350</td>
			<td valign="bottom" width="35">&nbsp;</td>
			<td valign="bottom" width="21">&nbsp;</td>
			<td valign="bottom" width="64">
			<p align="right">12,680</td>
			<td valign="bottom" width="9">&nbsp;</td>
		</tr>
		<tr>
			<td valign="bottom" width="154">Prorated Addition</td>
			<td valign="bottom" width="42">&nbsp;</td>
			<td valign="bottom" width="53" style="border-bottom: 1px solid #000000">&nbsp;&nbsp;&nbsp;&nbsp;
			652</td>
			<td valign="bottom" width="37">&nbsp;</td>
			<td valign="bottom" width="58" style="border-bottom: 1px solid #000000">
			<p align="right">2,392</td>
			<td valign="bottom" width="42">&nbsp;</td>
			<td valign="bottom" width="61" style="border-bottom: 1px solid #000000">
			<p align="right">1,977</td>
			<td valign="bottom" width="35">&nbsp;</td>
			<td valign="bottom" width="21">&nbsp;</td>
			<td valign="bottom" width="64" style="border-bottom: 1px solid #000000">
			<p align="right">7,249</td>
			<td valign="bottom" width="9">&nbsp;</td>
		</tr>
		<tr>
			<td valign="bottom" width="154">New Level</td>
			<td valign="bottom" width="42">&nbsp;</td>
			<td valign="bottom" width="53" style="border-bottom: 3px double #000000">
			&nbsp;
			3,567</td>
			<td valign="bottom" width="37">&nbsp;</td>
			<td valign="bottom" width="58" style="border-bottom: 3px double #000000">
			<p align="right">10,888</td>
			<td valign="bottom" width="42">&nbsp;</td>
			<td valign="bottom" width="61" style="border-bottom: 3px double #000000">
			<p align="right">6,327</td>
			<td valign="bottom" width="35">&nbsp;</td>
			<td valign="bottom" width="21">&nbsp;</td>
			<td valign="bottom" width="64" style="border-bottom: 3px double #000000">
			<p align="right">19,929</td>
			<td valign="bottom" width="9">&nbsp;</td>
		</tr>
		<tr>
			<td rowspan="3" valign="top" width="314">
			<p style="margin-top: 1px; margin-bottom: 1px">&nbsp;</p>
			<p style="margin-top: 1px; margin-bottom: 1px">Robert Golish</p>
			<p style="margin-top: 1px; margin-bottom: 1px">Executive Vice
			President, Chief Administrative </p>
			<p style="margin-top: 1px; margin-bottom: 1px">Officer, Chief
			Information Officer and </p>
			<p style="margin-top: 1px; margin-bottom: 1px">Senior Counsel</p>
			<p style="margin-top: 1px; margin-bottom: 1px">&nbsp;</td>
			<td valign="bottom" width="154" height="27">Original Level</td>
			<td valign="bottom" width="42" height="27">&nbsp;</td>
			<td valign="bottom" width="53" height="27">&nbsp; 2,915</td>
			<td valign="bottom" width="37" height="27">&nbsp;</td>
			<td valign="bottom" width="58" height="27">
			<p align="right">8,496</td>
			<td valign="bottom" width="42" height="27">&nbsp;</td>
			<td valign="bottom" width="61" height="27">
			<p align="right">4,350</td>
			<td valign="bottom" width="35" height="27">&nbsp;</td>
			<td valign="bottom" width="21" height="27">&nbsp;</td>
			<td valign="bottom" width="64" height="27">
			<p align="right">12,680</td>
			<td valign="bottom" width="9" height="27">&nbsp;</td>
		</tr>
		<tr>
			<td valign="bottom" width="154" height="22">Prorated Addition</td>
			<td valign="bottom" width="42" height="22">&nbsp;</td>
			<td valign="bottom" width="0" height="22" style="border-bottom: 1px solid #000000">&nbsp;&nbsp;&nbsp;&nbsp;
			652</td>
			<td valign="bottom" width="37" height="22">&nbsp;</td>
			<td valign="bottom" width="58" height="22" style="border-bottom: 1px solid #000000">&nbsp;&nbsp;&nbsp;&nbsp;
			2,392</td>
			<td valign="bottom" width="42" height="22">
			<p align="right">&nbsp;</td>
			<td valign="bottom" width="61" height="22" style="border-bottom: 1px solid #000000">
			<p align="right">&nbsp;1,977</td>
			<td valign="bottom" width="35" height="22">
			<p align="right">&nbsp;</td>
			<td valign="bottom" width="21" height="22">&nbsp;</td>
			<td valign="bottom" width="64" height="22" style="border-bottom: 1px solid #000000">
			<p align="right">7,249</td>
			<td valign="bottom" width="9" height="22">
			<p align="right">&nbsp;</td>
		</tr>
		<tr>
			<td valign="bottom" width="154" height="20">
			<p style="margin-top: 1px; margin-bottom: 1px">New Level</td>
			<td valign="bottom" width="42" height="20">
			<p style="margin-top: 1px; margin-bottom: 1px">&nbsp;</td>
			<td valign="bottom" width="53" height="20" style="border-bottom: 3px double #000000">
			<p style="margin-top: 1px; margin-bottom: 1px">&nbsp; 3,567</td>
			<td valign="bottom" width="37" height="20">
			<p style="margin-top: 1px; margin-bottom: 1px">&nbsp;</td>
			<td valign="bottom" width="58" height="20" style="border-bottom: 3px double #000000">
			<p align="right" style="margin-top: 1px; margin-bottom: 1px">10,888</td>
			<td valign="bottom" width="42" height="20">
			<p style="margin-top: 1px; margin-bottom: 1px">&nbsp;</td>
			<td valign="bottom" width="61" height="20" style="border-bottom: 3px double #000000">
			<p align="right" style="margin-top: 1px; margin-bottom: 1px">6,327</td>
			<td valign="bottom" width="35" height="20">
			<p style="margin-top: 1px; margin-bottom: 1px">&nbsp;</td>
			<td valign="bottom" width="21" height="20">
			<p style="margin-top: 1px; margin-bottom: 1px">&nbsp;</td>
			<td valign="bottom" width="64" height="20" style="border-bottom: 3px double #000000">
			<p align="right" style="margin-top: 1px; margin-bottom: 1px">19,929</td>
			<td valign="bottom" width="9" height="20">
			<p style="margin-top: 1px; margin-bottom: 1px">&nbsp;</td>
		</tr>
	</table>
	<p></p>
	<p><u>Adoption of 2009 Performance-Based Awards</u></p>
	<p></p>
	<p>As stated above, on May 24, 2005, certain employees, including executive
	officers, of the Registrant were granted performance-based awards pursuant
	to the Plan and on August 25, 2005, these awards were amended.&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.&nbsp; As the first set of awards, payable after March 31, 2006, has
	been paid out, there were remaining two sets of awards, whereas the Plan was
	designed to maintain three overlapping three year sets of awards.&nbsp; </p>
	<hr>
	<p>As such, on October 25, 2006, the Employee Compensation and Benefits
	Committee of the Registrant's Board of Directors as administrator of the
	2006 Equity Incentive Plan (the &quot;2006 Plan&quot;) granted a new set of awards
	payable after March 31, 2009 under the 2006 Plan.&nbsp; The measurement
	period for the 2009 awards begins on April 1, 2006 and ends on March 31,
	2009.</p>
	<p></p>
	<p>The table below sets forth the median and maximum number of shares of
	common stock to be granted to each of the Registrant's executive officers,
	other employees in the aggregate, and total number of shares to be granted
	in each year under the Plan assuming the performance targets are met.</p>
	<p></p>
	<table border="0" cellspacing="0" cellpadding="0" width="702" height="435">
		<tr>
			<td valign="top" width="443">
			<p align="center"><b>Name/ Position</b></td>
			<td colspan="2" valign="top">
			<p align="center"><b>2009</b></td>
		</tr>
		<tr>
			<td valign="top" width="443"></td>
			<td valign="top" width="113">
			<p align="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Median</td>
			<td valign="top" width="146">
			<p align="right">Maximum</td>
		</tr>
		<tr>
			<td valign="bottom" width="443">
			<p style="margin-top: 1px; margin-bottom: 1px">Kevin McCarthy</p>
			<p style="margin-top: 1px; margin-bottom: 1px">President and Chief
			Executive Officer</td>
			<td valign="bottom" width="113">
			<p align="right">14,500</td>
			<td valign="bottom" width="146">
			<p align="right">61,600</td>
		</tr>
		<tr>
			<td valign="bottom" width="443" height="73">
			<p style="margin-top: 1px; margin-bottom: 1px">Gregory C. Talbott</p>
			<p style="margin-top: 1px; margin-bottom: 1px">Senior Executive Vice
			President, Chief Operating Officer, Chief</p>
			<p style="margin-top: 1px; margin-bottom: 1px">Financial Officer and
			Treasurer</td>
			<td valign="bottom" height="73" width="113">
			<p align="right">10,900</td>
			<td valign="bottom" height="73" width="146">
			<p align="right">46,200</td>
		</tr>
		<tr>
			<td valign="bottom" width="443">
			<p style="margin-top: 1px; margin-bottom: 1px">Jerald W. Groene</p>
			<p style="margin-top: 1px; margin-bottom: 1px">Executive Vice
			President and Chief Lending Officer</td>
			<td valign="bottom" width="113">
			<p align="right">7,300</td>
			<td valign="bottom" width="146">
			<p align="right">23,500</td>
		</tr>
		<tr>
			<td valign="bottom" width="443">
			<p style="margin-top: 1px; margin-bottom: 1px">Linda Scullin</p>
			<p style="margin-top: 1px; margin-bottom: 1px">Executive Vice
			President and Chief Banking Administrator</td>
			<td valign="bottom" width="113">
			<p align="right">7,300</td>
			<td valign="bottom" width="146">
			<p align="right">23,500</td>
		</tr>
		<tr>
			<td valign="bottom" width="443" height="76">
			<p style="margin-top: 1px; margin-bottom: 1px">Robert Golish</p>
			<p style="margin-top: 1px; margin-bottom: 1px">Executive Vice
			President, Chief Administrative Officer, </p>
			<p style="margin-top: 1px; margin-bottom: 1px">Chief Information
			Officer and Senior Counsel</td>
			<td valign="bottom" height="76" width="113">
			<p align="right">7,300</td>
			<td valign="bottom" height="76" width="146">
			<p align="right">23,500</td>
		</tr>
		<tr>
			<td valign="bottom" width="443">
			<p style="margin-top: 1px; margin-bottom: 1px">Other employees</td>
			<td valign="bottom" width="113">
			<p align="right">31,300</td>
			<td valign="bottom" width="146">
			<p align="right">63,800</td>
		</tr>
		<tr>
			<td valign="bottom" width="443">
			<p style="margin-top: 1px; margin-bottom: 1px">Total</td>
			<td valign="bottom" width="113">
			<p align="right">78,600</td>
			<td valign="bottom" width="146">
			<p align="right">242,100</td>
		</tr>
	</table>
	<p></p>
	<p>The performance measures and other terms, not addressed above, for the
	2009 awards are unchanged from those of the 2007 and 2008 awards, as
	described in our Forms 8-K filed with the Securities and Exchange Commission
	on June 1, 2005 and August 29, 2005.</p>
	<p></p>
	<p>The form of the 2009 Award Agreement was filed as an exhibit to our Form
	S-8 filed with the Securities and Exchange Commission on October 25, 2006.</p>
	<p></p>
	<p><b>Item 9.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Financial
	Statements and Exhibits</b></p>
	<p><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</b> (d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
	The following exhibits are filed with this Report:</p>
	<p></p>
	<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
	<u>Exhibit No.</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>Description</u></p>
	<p></p>
	<p>&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;
	10.18&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
	Form of Performance-Based Award Agreement payable March 31, 2009</p>
	<hr>
	<p></p>
	<table border="0" cellspacing="0" cellpadding="0" height="330">
		<tr>
			<td colspan="3" valign="top">
			<p align="center"><b><br clear="all">
			SIGNATURES</b></td>
		</tr>
		<tr>
			<td colspan="3" valign="top">&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.</td>
		</tr>
		<tr>
			<td colspan="3" valign="top">
			<p align="center">&nbsp;</td>
		</tr>
		<tr>
			<td valign="top">&nbsp;</td>
			<td colspan="2" valign="top">
			<p style="margin-top: 1px; margin-bottom: 1px"><b>PFF BANCORP, INC.</b></td>
		</tr>
		<tr>
			<td valign="top">&nbsp;</td>
			<td valign="top">
			<p style="margin-top: 1px; margin-bottom: 1px"></td>
			<td valign="top">
			<p style="margin-top: 1px; margin-bottom: 1px"></td>
		</tr>
		<tr>
			<td valign="top"></td>
			<td valign="top">
			<p style="margin-top: 1px; margin-bottom: 1px">By:</td>
			<td valign="top">
			<p style="margin-top: 1px; margin-bottom: 1px"><u>/s/ Kevin McCarthy</u></td>
		</tr>
		<tr>
			<td valign="top"></td>
			<td valign="top">
			<p style="margin-top: 1px; margin-bottom: 1px"></td>
			<td valign="top">
			<p style="margin-top: 1px; margin-bottom: 1px">Kevin McCarthy,
			President and </p>
			<p style="margin-top: 1px; margin-bottom: 1px">Chief Executive
			Officer</td>
		</tr>
		<tr>
			<td valign="top">Date: October 31, 2006</td>
			<td valign="top"></td>
			<td valign="top">&nbsp;</td>
		</tr>
	</table>
	<b><br clear="all">
	</b><hr>
	<p align="center"><b>EXHIBIT INDEX</b></p>
	<table border="0" cellspacing="0" cellpadding="0" width="879">
		<tr>
			<td valign="top" width="112">
			<p align="center" style="margin-top: 1px; margin-bottom: 1px"><b><u>&nbsp;&nbsp;
			Exhibit No.&nbsp;&nbsp; </u></b></td>
			<td valign="top" width="30">
			&nbsp;</td>
			<td valign="top" width="737">
			<p align="center" style="margin-top: 1px; margin-bottom: 1px"><b><u>
			Description </u></b></td>
		</tr>
		<tr>
			<td valign="top" width="112">
			<p align="center" style="margin-top: 1px; margin-bottom: 1px">10.18</td>
			<td valign="top" width="30">
			&nbsp;</td>
			<td valign="top" width="737">
			<p style="margin-top: 1px; margin-bottom: 1px">Form of
			Performance-Based Award Agreement payable March 31, 2009
			(Incorporated herein by reference </p>
			<p style="margin-top: 1px; margin-bottom: 1px">from the Exhibits to
			the Registration Statement on Form S-8 filed on October 25, 2006,
			</p>
			<p style="margin-top: 1px; margin-bottom: 1px">Registration No.
			333-138201</p>
			<p style="margin-top: 1px; margin-bottom: 1px">&nbsp;</td>
		</tr>
	</table>
</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": "061175908"}, "business-address": {"street1": "9337 MILLIKEN AVENUE", "city": "RANCO CUCAMONGA", "state": "CA", "zip": "91729", "phone": "909-941-5400"}, "mail-address": {"street1": "9337 MILLIKEN AVENUE", "city": "RANCO CUCAMONGA", "state": "CA", "zip": "91729"}}
UNITED STATES SECURITIES AND EXC
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 25, 2006
PFF BANCORP, INC.
(Exact name of registrant as specified in its charter)
Delaware
001-16845
95-4561623
(State or other jurisdiction of incorporation)
(Commission File Number)
(IRS Employer Identification No.)
9337 Milliken Avenue
Rancho Cucamonga, CA
(Address of principal executive offices)
91730
(Zip Code)
Registrant's telephone number, including area code
:  (909)
			941-5400
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 2007 and 2008 Performance-Based Awards
As described in our Form 8-K filed with the Securities and Exchange
	Commission on June 1, 2005, and in our Form 8-K filed with the Securities
	and Exchange Commission on August 29, 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") and on August 25, 2005, these awards were
	amended to avoid possible adverse accounting consequences.  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 are payable in shares of the Registrant's common stock. 
	Vesting and payment of the awards will occur only upon the achievement by
	the Registrant of certain financial targets during the performance measuring
	periods.  The measurement period for the 2007 awards began on April 1,
	2004 and ends on March 31, 2007.  The measurement period for the 2008
	awards began on April 1, 2005 and ends on March 31, 2008.  As amended,
	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) change in net interest margin,
	(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.  A description of the August 2005 amendments can be found
	in our Form 8-K filed on August 29, 2005.
On October 25, 2006, the Employee Compensation and Benefits Committee of
	the Registrant's Board of Directors, as administrator of the Plan, amended
	the awards payable after March 31, 2007 and after March 31, 2008.  The
	extent of the amendment was to increase the performance-based share
	potential, in order to adjust participation levels in recognition of
	promotions and job reassignments since the adoption of the Plan in May 2005. 
	Accordingly, participation levels will be prorated for the time the affected
	individuals are serving in their new roles.  For example, in order to
	account for Kevin McCarthy's promotion in 2006 to the positions of President
	and Chief Executive Officer, his participation level will be increased to
	equate to his original shares, plus one-third of the difference between the
	prior Chief Operating Officer share level and the new President and Chief
	Executive Officer share level.  The applicable measurement periods for
	achievement of the target performance criteria will not change. 
	Notwithstanding the foregoing, the prorated increase in the award will not
	vest or be paid if the Registrant does not achieve the financial target in
	the diluted earnings per share growth percentage category from the date of
	the grant of the additional shares through the end of the performance
	periods (that is, October 25, 2006 through March 31, 2007 and October 25,
	2006 through March 31, 2008).
The table below sets forth the minimum and maximum number of shares of
	common stock to be granted under the Plan to each of the Registrant's
	executive officers affected by the adjusted participation levels, assuming
	the performance targets are met.
Name/Current Position
2007
2008
Minimum
Maximum
Minimum
Maximum
Kevin McCarthy
President and Chief
			Executive
Officer
Original Level
5,340
17,601
7,970
26,270
Prorated Addition
1,444
7,811
4,375
23,671
New Level
6,784
25,412
12,345
49,941
Gregory C. Talbott
Senior Executive Vice
			President, Chief
Operating Officer,
			Chief Financial Officer
and Treasurer
Original Level
5,340
17,601
7,970
26,270
Prorated Addition
648
4,406
1,963
13,353
New Level
5,988
22,007
9,933
39,623
Jerald W. Groene
Executive Vice
			President and
Chief Lending Officer
Original Level
3,397
10,921
5,070
16,300
Prorated Addition
493
1,592
1,494
4,824
New Level
3,890
12,513
6,564
21,124
Linda Scullin
Executive Vice
			President and
Chief Banking
			Administrator
Original Level
2,915
8,496
4,350
12,680
Prorated Addition
652
2,392
1,977
7,249
New Level
3,567
10,888
6,327
19,929
Robert Golish
Executive Vice
			President, Chief Administrative
Officer, Chief
			Information Officer and
Senior Counsel
Original Level
2,915
8,496
4,350
12,680
Prorated Addition
652
2,392
1,977
7,249
New Level
3,567
10,888
6,327
19,929
Adoption of 2009 Performance-Based Awards
As stated above, on May 24, 2005, certain employees, including executive
	officers, of the Registrant were granted performance-based awards pursuant
	to the Plan and on August 25, 2005, these awards were amended.  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.  As the first set of awards, payable after March 31, 2006, has
	been paid out, there were remaining two sets of awards, whereas the Plan was
	designed to maintain three overlapping three year sets of awards.
As such, on October 25, 2006, the Employee Compensation and Benefits
	Committee of the Registrant's Board of Directors as administrator of the
	2006 Equity Incentive Plan (the "2006 Plan") granted a new set of awards
	payable after March 31, 2009 under the 2006 Plan.  The measurement
	period for the 2009 awards begins on April 1, 2006 and ends on March 31,
	2009.
The table below sets forth the median and maximum number of shares of
	common stock to be granted to each of the Registrant's executive officers,
	other employees in the aggregate, and total number of shares to be granted
	in each year under the Plan assuming the performance targets are met.
Name/ Position
2009
Median
Maximum
Kevin McCarthy
President and Chief
			Executive Officer
14,500
61,600
Gregory C. Talbott
Senior Executive Vice
			President, Chief Operating Officer, Chief
Financial Officer and
			Treasurer
10,900
46,200
Jerald W. Groene
Executive Vice
			President and Chief Lending Officer
7,300
23,500
Linda Scullin
Executive Vice
			President and Chief Banking Administrator
7,300
23,500
Robert Golish
Executive Vice
			President, Chief Administrative Officer,
Chief Information
			Officer and Senior Counsel
7,300
23,500
Other employees
31,300
63,800
Total
78,600
242,100
The performance measures and other terms, not addressed above, for the
	2009 awards are unchanged from those of the 2007 and 2008 awards, as
	described in our Forms 8-K filed with the Securities and Exchange Commission
	on June 1, 2005 and August 29, 2005.
The form of the 2009 Award Agreement was filed as an exhibit to our Form
	S-8 filed with the Securities and Exchange Commission on October 25, 2006.
Item 9.01        Financial
	Statements and Exhibits
(d)             
	The following exhibits are filed with this Report:
Exhibit No.
Description
10.18              
	Form of Performance-Based Award Agreement payable March 31, 2009
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/ Kevin McCarthy
Kevin McCarthy,
			President and
Chief Executive
			Officer
Date: October 31, 2006
EXHIBIT INDEX
Exhibit No.
Description
10.18
Form of
			Performance-Based Award Agreement payable March 31, 2009
			(Incorporated herein by reference
from the Exhibits to
			the Registration Statement on Form S-8 filed on October 25, 2006,
Registration No.
			333-138201