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  <table border="0" cellspacing="0" cellpadding="0" width="667">
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        <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">&nbsp;</td>
      <td colspan="3" valign="top" width="179"></td>
      <td valign="top" width="214"></td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="665"></td>
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      <td colspan="5" valign="top" width="665">
        <h2 align="center"><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="665">
        <h2></h2>
      </td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="665">
        <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="214"></td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="665">
        <p align="center"><font size="3" face="Times New Roman">Date of report
        (Date of earliest event reported): September 30, 2004</font></p>
      </td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="665">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="2" valign="top" width="269"></td>
      <td valign="top" width="173"></td>
      <td colspan="2" valign="top" width="219"></td>
    </tr>
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      <td colspan="5" valign="top" width="665">
        <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="665">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="2" valign="top" width="269">&nbsp;</td>
      <td valign="top" width="173"></td>
      <td colspan="2" valign="top" width="219"></td>
    </tr>
    <tr>
      <td colspan="2" valign="top" width="269">
        <p align="center"><b><font size="3" face="Times New Roman">Delaware</font></b></td>
      <td valign="top" width="173">
        <p align="center"><b><font size="3" face="Times New Roman">0-27404</font></b></p>
      </td>
      <td colspan="2" valign="top" width="219">
        <p align="center"><b><font size="3" face="Times New Roman">95-4561623</font></b></p>
      </td>
    </tr>
    <tr>
      <td colspan="2" valign="top" width="269"><b><font size="3" face="Times New Roman Bold">(</font></b><font face="Times New Roman">State
        or other jurisdiction of incorporation)</font></td>
      <td valign="top" width="173">
        <p align="center"><font size="3" face="Times New Roman">(Commission File
        Number)</font></p>
      </td>
      <td colspan="2" valign="top" width="219">
        <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"></td>
      <td valign="top" width="173"></td>
      <td colspan="2" valign="top" width="219"></td>
    </tr>
    <tr>
      <td colspan="2" valign="top" width="269">&nbsp;</td>
      <td valign="top" width="173"></td>
      <td colspan="2" valign="top" width="219"></td>
    </tr>
    <tr>
      <td colspan="3" valign="top" width="444">
        <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="219">
        <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="444"></td>
      <td colspan="2" valign="top" width="219"></td>
    </tr>
    <tr>
      <td colspan="3" valign="top" width="444">&nbsp;</td>
      <td colspan="2" valign="top" width="219"></td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="665">
        <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="665">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="665">
        <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></td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="665">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="665"></td>
    </tr>
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      <td colspan="5" valign="top" width="665">
        <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="665">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="665">
        <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="665">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="665">
        <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="665">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="665">
        <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="665">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="665">
        <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>
  <p><br>
  <br>
  </p>
  <hr>
  <font size="2" face="Times New Roman"><br clear="all" />
  </font><b><font size="3" face="Times New Roman">Item
  1.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Entry
  into a Material Definitive Agreement.</font></b>
  <p><font size="3" face="Times New Roman">On September 30, 2004, PFF Bancorp,
  Inc. (the &quot;Company&quot;) completed a private placement of $30.0 million
  of trust preferred securities, through a newly formed Delaware trust
  affiliate, PFF Bancorp Capital Trust I (the &quot;Trust&quot;), as part of a
  pooled transaction with several other financial institutions.&nbsp; As part of
  this transaction, the Company issued an aggregate principal amount of
  $30,928,000 of floating rate junior subordinated debt securities to the Trust,
  which debt securities bear an initial interest rate of 4.21% until November
  22, 2004, and after that which will be reset quarterly at 3-month LIBOR plus
  2.20%.&nbsp; The debt securities were issued pursuant to the terms on an
  Indenture dated as of September 30, 2004, between the Company, as Issuer, and
  Wilmington Trust Company, as Trustee.&nbsp;</font></p>
  <p><font size="3" face="Times New Roman">The debt securities obligate the
  Company to pay interest on their principal sum quarterly in arrears on
  February 23, May 23, August 23 and November 23 of each year.&nbsp; So long as
  an &quot;Event of Default&quot; has not occurred and is continuing under the
  Indenture, the Company has the right to defer payments of interest on the debt
  securities by extending the interest payment period on the debt securities for
  up to 20 consecutive quarterly periods.&nbsp; The debt securities mature on
  November 23, 2034, but may be redeemed by the Company, in whole or in part,
  beginning on November 23, 2009, on any interest payment date.&nbsp; The debt
  securities may also be redeemed by the Company in whole, but not in part,
  within 120 days of the occurrence of certain special redemption events as
  defined in the Indenture.&nbsp; Special redemption events relate to the
  regulatory capital treatment of the issuance, the Trust being deemed an
  investment company and the occurrence of certain tax events.&nbsp; A form of
  debt security and the Indenture are filed herewith as Exhibits 4.1 and
  10.13, respectively.&nbsp;&nbsp;&nbsp;</font></p>
  <p><font size="3" face="Times New Roman">The debt securities are the sole
  assets of the Trust.&nbsp; The Trust issued an aggregate principal amount of
  $30,000,000 of capital securities with a floating interest rate corresponding
  to that of the debt securities to an unaffiliated pooled investment
  vehicle.&nbsp; The payments of distributions on and redemption or liquidation
  of the capital securities issued by the Trust are guaranteed by the Company
  pursuant to a Guarantee Agreement dated as of September 30, 2004, executed and
  delivered by the Company and Wilmington Trust Company, the Guarantee Trustee,
  for the benefit of the holders of the capital securities.&nbsp; The
  Guarantee Agreement is filed herewith as Exhibit 10.14.</font></p>
  <p><font size="3" face="Times New Roman"><b>Item 2.03 Creation of a Direct
  Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement
  of a Registrant.</b></font></p>
  <p><font size="3" face="Times New Roman">The debt securities issued by the
  Company on September 30, 2004 to the Trust, as described in Item 1.01, shall
  be accounted for by the Company as long-term borrowings on its consolidated
  balance sheet.</font></p>
  <hr>
  <p><b><font size="3" color="black" face="Times New Roman">Item 9.01&nbsp;
  Financial Statements and Exhibits.</font></b></p>
  <p><b><font size="3" color="black" face="Times New Roman">(c)&nbsp; Exhibits.</font></b></p>
  <table border="0" width="100%">
    <tr>
      <td width="14%" align="left"><b><u>Exhibit No. </u></b></td>
      <td width="86%" align="left"><b><u>Description</u></b></td>
    </tr>
    <tr>
      <td width="14%">4.1<br>
        <br>
      </td>
      <td width="86%">Form of Floating Rate Junior Subordinated Debt Security
        issued by PFF Bancorp, Inc. due 2034, (included as Exhibit A to Exhibit&nbsp;
        10.13). </td>
    </tr>
    <tr>
      <td width="14%">&nbsp;</td>
      <td width="86%"></td>
    </tr>
    <tr>
      <td width="14%">10.13<br>
      </td>
      <td width="86%"><font size="3" face="Times New Roman">Indenture by and
        between PFF Bancorp, Inc., as Issuer, and Wilmington Trust Company, as
        Trustee, dated September 30, 2004 for Floating Rate Junior Subordinated
        Debt Securities.</font></td>
    </tr>
    <tr>
      <td width="14%"><font size="3" face="Times New Roman">&nbsp;</font></td>
      <td width="86%"></td>
    </tr>
    <tr>
      <td width="14%">10.14<br>
        <br>
      </td>
      <td width="86%"><font size="3" face="Times New Roman">Guarantee Agreement
        executed and delivered by PFF Bancorp, Inc. and Wilmington Trust Company
        for the benefit of the Holders from time to time of the Capital
        Securities of PFF Bancorp Capital Trust I.</font></td>
    </tr>
  </table>
  <p>&nbsp;</p>
  <p><font size="2" color="black" face="Times New Roman"><br clear="all" />
  </font></p>
  <hr>
  <table border="0" cellspacing="0" cellpadding="0">
    <tr>
      <td colspan="3" valign="top">
        <h1 align="center"><b><font size="3" face="Times New Roman">SIGNATURES</font></b></h1>
      </td>
    </tr>
    <tr>
      <td colspan="3" valign="top">
        <p align="left"><font size="3" face="Times New Roman">&nbsp;&nbsp;&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.</font></td>
    </tr>
    <tr>
      <td colspan="3" valign="top">
        <h1>&nbsp;</h1>
      </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: October 6, 2004</font></p>
      </td>
      <td valign="top"></td>
      <td valign="top"></td>
    </tr>
  </table>
  <p>&nbsp;</p>
</div>

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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": "041068765"}, "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"}}
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): September 30, 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
  1.01            Entry
  into a Material Definitive Agreement.
On September 30, 2004, PFF Bancorp,
  Inc. (the "Company") completed a private placement of $30.0 million
  of trust preferred securities, through a newly formed Delaware trust
  affiliate, PFF Bancorp Capital Trust I (the "Trust"), as part of a
  pooled transaction with several other financial institutions.  As part of
  this transaction, the Company issued an aggregate principal amount of
  $30,928,000 of floating rate junior subordinated debt securities to the Trust,
  which debt securities bear an initial interest rate of 4.21% until November
  22, 2004, and after that which will be reset quarterly at 3-month LIBOR plus
  2.20%.  The debt securities were issued pursuant to the terms on an
  Indenture dated as of September 30, 2004, between the Company, as Issuer, and
  Wilmington Trust Company, as Trustee.
The debt securities obligate the
  Company to pay interest on their principal sum quarterly in arrears on
  February 23, May 23, August 23 and November 23 of each year.  So long as
  an "Event of Default" has not occurred and is continuing under the
  Indenture, the Company has the right to defer payments of interest on the debt
  securities by extending the interest payment period on the debt securities for
  up to 20 consecutive quarterly periods.  The debt securities mature on
  November 23, 2034, but may be redeemed by the Company, in whole or in part,
  beginning on November 23, 2009, on any interest payment date.  The debt
  securities may also be redeemed by the Company in whole, but not in part,
  within 120 days of the occurrence of certain special redemption events as
  defined in the Indenture.  Special redemption events relate to the
  regulatory capital treatment of the issuance, the Trust being deemed an
  investment company and the occurrence of certain tax events.  A form of
  debt security and the Indenture are filed herewith as Exhibits 4.1 and
  10.13, respectively.
The debt securities are the sole
  assets of the Trust.  The Trust issued an aggregate principal amount of
  $30,000,000 of capital securities with a floating interest rate corresponding
  to that of the debt securities to an unaffiliated pooled investment
  vehicle.  The payments of distributions on and redemption or liquidation
  of the capital securities issued by the Trust are guaranteed by the Company
  pursuant to a Guarantee Agreement dated as of September 30, 2004, executed and
  delivered by the Company and Wilmington Trust Company, the Guarantee Trustee,
  for the benefit of the holders of the capital securities.  The
  Guarantee Agreement is filed herewith as Exhibit 10.14.
Item 2.03 Creation of a Direct
  Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement
  of a Registrant.
The debt securities issued by the
  Company on September 30, 2004 to the Trust, as described in Item 1.01, shall
  be accounted for by the Company as long-term borrowings on its consolidated
  balance sheet.
Item 9.01 
  Financial Statements and Exhibits.
(c)  Exhibits.
Exhibit No.
Description
4.1
Form of Floating Rate Junior Subordinated Debt Security
        issued by PFF Bancorp, Inc. due 2034, (included as Exhibit A to Exhibit 
        10.13).
10.13
Indenture by and
        between PFF Bancorp, Inc., as Issuer, and Wilmington Trust Company, as
        Trustee, dated September 30, 2004 for Floating Rate Junior Subordinated
        Debt Securities.
10.14
Guarantee Agreement
        executed and delivered by PFF Bancorp, Inc. and Wilmington Trust Company
        for the benefit of the Holders from time to time of the Capital
        Securities of PFF Bancorp Capital Trust I.
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: October 6, 2004