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<p align="center"><b><font size="3" face="Times New Roman Bold">UNITED STATES<br />
 SECURITIES AND EXCHANGE COMMISSION<br />
</font> Washington, D.C.&nbsp; 20549</b> </p>
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<h2 align="center"><b><font size="3" face="Times New Roman">FORM</font></b> <font size="3">8-K</font></h2>
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<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>
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<p align="center"><font size="3" face="Times New Roman">Date of report (Date of earliest event reported): January 20, 2004</font></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>
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<p align="center"><b><font size="3" face="Times New Roman">Delaware<br>
</font></b></p>
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<p align="center"><b><font size="3" face="Times New Roman">0-27404<br>
</font></b></p>
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<p align="center"><b><font size="3" face="Times New Roman">95-4561623<br>
</font></b></p>
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<p align="center"><b><font size="3" face="Times New Roman Bold">(</font></b><font face="Times New Roman">State or other jurisdiction of&nbsp;<br>
 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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<p align="center"><font size="3" face="Times New Roman">(IRS Employer Identification&nbsp;<br>
 No.)</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"><font size="3" face="Times New Roman">Registrant's telephone number, including area code<b>:&nbsp; (909) 623-2323</b></font></p>
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<p align="center"><b><font size="3" face="Times New Roman">Not Applicable<br>
</font></b><font size="3" face="Times New Roman">(Former name or former address, if changed since last report)</font></p>

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<p><b><font size="3" face="Times New Roman">Items 1 through 6.</font></b></p>
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<p><b><font size="3" face="Times New Roman">Not applicable.</font></b></p>
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<p><b><font size="3" face="Times New Roman">Item 7.</font></b></p>
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<p><b><font size="3" face="Times New Roman">Financial Statements and Exhibits</font></b></p>
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<p><font size="3" face="Times New Roman">(a)</font></p>
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<p><font size="3" face="Times New Roman">No financial statements are required to be filed with this report.</font></p>
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<p><font size="3" face="Times New Roman">(b)</font></p>
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<p><font size="3" face="Times New Roman">No pro forma financial information is required to be filed with this report.
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<p><font size="3" face="Times New Roman">(c)</font></p>
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<p><font size="3" face="Times New Roman">The following exhibit is filed with this Report:</font></p>
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<p><u><font size="3" face="Times New Roman">Exhibit No</font></u></p>
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<p><u><font size="3" face="Times New Roman">Description</font></u></p>
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<p><font size="3" face="Times New Roman">99.1</font></p>
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<p><font size="3" face="Times New Roman">Press release issued by PFF Bancorp, Inc. on January 20, 2004, furnished in accordance with Item 12 of this Current Report on Form 8-K.<br />
<br>
 </font></p>
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<p><b><font size="3" face="Times New Roman">Item 8</font></b><b><font size="3">.<br>
</font></b></p>
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<p><b><font size="3" face="Times New Roman">Not applicable.</font></b></p>
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<p><b><font size="3" face="Times New Roman">Item 9.</font></b></p>
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<p><b><font size="3" face="Times New Roman">Regulation FD</font></b></p>
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<p><font size="3" face="Times New Roman">The following information is furnished under this Item 9 in satisfaction of Item 12, "Disclosure of Results of Operations and Financial Condition."
 </font></p>
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<p><font size="3" face="Times New Roman">On January 20, 2004, PFF Bancorp, Inc. announced its earnings for the three and nine months ended December 31, 2003.&nbsp; A copy of the press release dated January 20, 2004, describing three and nine month earnings is
attached as Exhibit 99.1.<br>
<br>
 </font></p>
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<p><b><font size="3" face="Times New Roman">Item 10-11.<br>
</font></b></p>
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<p><b><font size="3" face="Times New Roman">Not applicable.</font></b></p>
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<p><b><font size="3" face="Times New Roman">Item 12.</font></b></p>
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<p><b><font size="3" face="Times New Roman">Results of Operations and Financial Condition</font></b></p>
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<p><font size="3" face="Times New Roman">See Item 9 per SEC Release 33-8216, March 27, 2003.</font></p>
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<b><font size="3" face="Times New Roman"><br clear="all" />
</font></b>

<p align="center"><b><font size="3" face="Times New Roman Bold">EXHIBIT</font></b>
<b> INDEX</b></p>

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<p align="center"><b><u><font size="3" face="Times New Roman Bold">Exhibi</font></u></b><b><u><font size="3">t</font></u></b></p>
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<p align="center"><b><u><font size="3" face="Times New Roman Bold">Description</font></u></b></p>
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<p align="center"><font size="3" face="Times New Roman">99.1</font></p>
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<p align="center"><font size="3" face="Times New Roman">Press Release dated January 20, 2004.</font></p>
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<p><font size="2" face="Times New Roman"></font></p>

<hr>

<font size="3" face="Times New Roman"><br clear="all" />
</font>

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<h1 align="center"><b><font size="3" face="Times New Roman">SIGNATURES</font></b></h1>
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<p align="left"><font size="3" face="Times New Roman">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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<p><br>
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<p><b><font size="3" face="Times New Roman">PFF BANCORP, INC.</font></b></p>
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<p><font size="3" face="Times New Roman">By:</font></p>
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<p><u><font size="3" face="Times New Roman">/s/ Gregory C. Talbott</font></u></p>
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<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>
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<p><font size="3" face="Times New Roman">Date: January 20, 2004</font></p>
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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): January 20, 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)
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
Press release issued by PFF Bancorp, Inc. on January 20, 2004, furnished in accordance with Item 12 of this Current Report on Form 8-K.
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 January 20, 2004, PFF Bancorp, Inc. announced its earnings for the three and nine months ended December 31, 2003.  A copy of the press release dated January 20, 2004, describing three and nine month earnings 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
Press Release dated January 20, 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: January 20, 2004