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<title>UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington</title>
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  <p>&nbsp;</p>
  <table border="0" cellspacing="0" cellpadding="0" width="629">
    <tr>
      <td colspan="3" valign="top" width="627">
        <p align="center"><b>UNITED STATES<br />
        SECURITIES AND EXCHANGE COMMISSION<br />
        Washington, D.C.&nbsp; 20549</b></p>
        <p align="center">&nbsp;</p>
      </td>
    </tr>
    <tr>
      <td colspan="3" valign="top" width="627">
        <p align="center"><b>FORM 8-K</b></p>
        <p align="center">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="3" valign="top" width="627"></td>
    </tr>
    <tr>
      <td colspan="3" valign="top" width="627">
        <p align="center"><b>CURRENT REPORT<br />
        PURSUANT TO SECTION 13 OR 15(d) OF THE<br />
        SECURITIES EXCHANGE ACT OF 1934</b></p>
        <p align="center">&nbsp;</p>
      </td>
    </tr>
    <tr>
      <td colspan="3" valign="top" width="627">
        <p align="center">Date of report (Date of earliest event reported): July
        17, 2003</p>
        <p align="center">&nbsp;</p>
        <p align="center">&nbsp;</p>
      </td>
    </tr>
    <tr>
      <td colspan="3" valign="top" width="627">
        <p align="center"><b>PFF BANCORP, INC.<br />
        </b>(Exact name of registrant as specified in its charter)</p>
        <p align="center">&nbsp;</p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="177">
        <p align="center"><b>Delaware</b></td>
      <td valign="top" width="177">
        <p align="center"><b>0-27404</b></p>
      </td>
      <td valign="top" width="269">
        <p align="center"><b>95-4561623</b></p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="177">
        <p align="center">(State or other jurisdiction of <br>
        incorporation)</p>
        <p align="center">&nbsp;</p>
        <p align="center">&nbsp;</td>
      <td valign="top" width="177">
        <p align="center">(Commission File Number)</p>
      </td>
      <td valign="top" width="269">
        <p align="center">(IRS Employer Identification No.)</p>
      </td>
    </tr>
    <tr>
      <td colspan="2" valign="top" width="356">
        <p><b>350 South Garey Avenue<br />
        Pomona, CA<br />
        </b>(Address of principal executive offices)</p>
      </td>
      <td valign="top" width="269">
        <p align="center"><b><br />
        91766<br />
        </b>(Zip Code)</p>
        <p align="center">&nbsp;</p>
      </td>
    </tr>
    <tr>
      <td colspan="3" valign="top" width="627">
        <p align="center">Registrant's telephone number, including area code<b>:&nbsp;
        (909) 623-2323</b></p>
        <p align="center">&nbsp;</p>
      </td>
    </tr>
    <tr>
      <td colspan="3" valign="top" width="627">
        <p align="center"><b>Not Applicable</b></p>
        <p align="center">(Former name or former address, if changed since last
        report)</p>
      </td>
    </tr>
  </table>
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&nbsp;
<hr>
<p>&nbsp;</p>
<div>
  <table border="0" cellspacing="0" cellpadding="0" width="717">
    <tr>
      <td colspan="2" valign="top" width="157">
        <p><b>Items 1 through 6.</b></p>
      </td>
      <td valign="top" width="556">
        <p><b>Not applicable.</b></p>
        <p>&nbsp;</p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="76">
        <p><b>Item 7.</b></p>
      </td>
      <td valign="top" width="79"></td>
      <td valign="top" width="556">
        <p><b>Financial Statements and Exhibits</b></p>
        <p>&nbsp;</p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="76"></td>
      <td valign="top" width="79">
        <p>(a)</p>
      </td>
      <td valign="top" width="556">
        <p>No financial statements are required to be filed with this report.</p>
        <p>&nbsp;</p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="76"></td>
      <td valign="top" width="79"></td>
      <td valign="top" width="556"></td>
    </tr>
    <tr>
      <td valign="top" width="76"></td>
      <td valign="top" width="79">
        <p>(b)</p>
      </td>
      <td valign="top" width="556">
        <p>No pro forma financial information is required to be filed with this
        report.</p>
        <p>&nbsp;</p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="76"></td>
      <td valign="top" width="79">
        <p>(c)</p>
      </td>
      <td valign="top" width="556">
        <p>The following exhibit is filed with this Report:</p>
        <p>&nbsp;</p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="76"></td>
      <td valign="top" width="79"></td>
      <td valign="top" width="556"></td>
    </tr>
    <tr>
      <td valign="top" width="76"></td>
      <td valign="top" width="79">
        <p><u>Exhibit No</u></p>
      </td>
      <td valign="top" width="556">
        <p><u>Description</u></p>
        <p>&nbsp;</p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="76"></td>
      <td valign="top" width="79">
        <p>99.1</p>
      </td>
      <td valign="top" width="556">
        <p>Press release issued by PFF Bancorp, Inc. on July 17, 2003, furnished
        in accordance with Item 12 of this Current Report on Form 8-K.</p>
        <p>&nbsp;</p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="76">
        <p><b>Item 8.</b></p>
      </td>
      <td valign="top" width="79"></td>
      <td valign="top" width="556">
        <p><b>Not applicable.</b></p>
        <p>&nbsp;</p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="76"></td>
      <td valign="top" width="79"></td>
      <td valign="top" width="556"></td>
    </tr>
    <tr>
      <td valign="top" width="76">
        <p><b>Item 9.</b></p>
      </td>
      <td valign="top" width="79"></td>
      <td valign="top" width="556">
        <p><b>Regulation FD</b></p>
        <p>&nbsp;</p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="76"></td>
      <td valign="top" width="79"></td>
      <td valign="top" width="556"></td>
    </tr>
    <tr>
      <td valign="top" width="76"></td>
      <td valign="top" width="79"></td>
      <td valign="top" width="556">
        <p>The following information is furnished under this Item 9 in
        satisfaction of Item 12, "Disclosure of Results of Operations and
        Financial Condition."</p>
        <p>&nbsp;</p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="76"></td>
      <td valign="top" width="79"></td>
      <td valign="top" width="556">
        <p>On July 17, 2003, PFF Bancorp, Inc. announced its earnings for the
        three months ended June 30, 2003.&nbsp; A copy of the press release
        dated July 17, 2003, describing three-month earnings is attached as
        Exhibit 99.1.</p>
        <p>&nbsp;</p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="76">
        <p><b>Item 10-11.</b></p>
      </td>
      <td valign="top" width="79"></td>
      <td valign="top" width="556">
        <p><b>Not applicable.</b></p>
        <p>&nbsp;</p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="76"></td>
      <td valign="top" width="79"></td>
      <td valign="top" width="556"></td>
    </tr>
    <tr>
      <td valign="top" width="76">
        <p><b>Item 12.</b></p>
      </td>
      <td valign="top" width="79"></td>
      <td valign="top" width="556">
        <p><b>Results of Operations and Financial Condition</b></p>
        <p>&nbsp;</p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="76"></td>
      <td valign="top" width="79"></td>
      <td valign="top" width="556">
        <p>See Item 9 per SEC Release 33-8216, March 27, 2003.</p>
      </td>
    </tr>
  </table>
  <p>&nbsp;</p>
</div>
<p>&nbsp;</p>
<hr>
&nbsp;
<div>
  <p>EXHIBIT INDEX</p>
  <table border="0" cellspacing="0" cellpadding="0" width="648">
    <tr>
      <td valign="top">
        <p align="center"><b><u>Exhibit</u></b></p>
      </td>
      <td valign="top">
        <p align="center"><b><u>Description</u></b></p>
      </td>
    </tr>
    <tr>
      <td valign="top">
        <p align="center">99.1</p>
      </td>
      <td valign="top">
        <p align="center">Press Release dated July 17, 2003.</p>
      </td>
    </tr>
  </table>
  <br clear="all" />
  <p>&nbsp;</p>
</div>
&nbsp;
<hr>
<p>&nbsp;</p>
<div>
  <table border="0" cellspacing="0" cellpadding="0" width="724">
    <tr>
      <td colspan="3" valign="top" width="715">
        <p align="center"><b>SIGNATURES</b></p>
        <p align="center">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="3" valign="top" width="715">
        <p align="left">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" width="715">&nbsp;
        <p>&nbsp;</td>
    </tr>
    <tr>
      <td valign="top" width="342"></td>
      <td colspan="2" valign="top" width="378">
        <p><b>PFF BANCORP, INC.</b></p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="342"></td>
      <td valign="top" width="26"></td>
      <td valign="top" width="350"></td>
    </tr>
    <tr>
      <td valign="top" width="342"></td>
      <td valign="top" width="26">
        <p>By:</p>
      </td>
      <td valign="top" width="350">
        <p><u>/s/ Gregory C. Talbott</u></p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="342"></td>
      <td valign="top" width="26"></td>
      <td valign="top" width="350">
        <p>Gregory C. Talbott<br />
        Executive Vice President and<br />
        Chief Financial Officer</p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="342">
        <p>Date: July 17, 2003</p>
      </td>
      <td valign="top" width="26"></td>
      <td valign="top" width="350"></td>
    </tr>
  </table>
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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": "03793538"}, "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): July
        17, 2003
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 July 17, 2003, 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 July 17, 2003, PFF Bancorp, Inc. announced its earnings for the
        three months ended June 30, 2003.  A copy of the press release
        dated July 17, 2003, describing three-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
Exhibit
Description
99.1
Press Release dated July 17, 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: July 17, 2003