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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>
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			<p align="center"><b><font size="3" face="Times New Roman">FORM 8-K</font></b></p>
			<p align="center">&nbsp;</td>
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			<p align="center"><b><font size="3" face="Times New Roman">CURRENT
			REPORT<br>
			PURSUANT TO SECTION 13 OR 15(d) OF THE<br>
			SECURITIES EXCHANGE ACT OF 1934</font></b></td>
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			<p align="center"><font size="3" face="Times New Roman">Date of
			report (Date of earliest event reported): October 23, 2006</font></p>
			<p align="center">&nbsp;</td>
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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>
			<p align="center">&nbsp;</td>
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			<p align="center"><b><font size="3" face="Times New Roman">Delaware</font></b></td>
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			<p align="center"><b><font size="3" face="Times New Roman">0-27404</font></b></td>
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			95-4561623</font></b></td>
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			<font size="3" face="Times New Roman">&nbsp;&nbsp;(State or other jurisdiction
			of incorporation)</font></td>
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			<p align="center"><font size="3" face="Times New Roman">(Commission
			File Number)</font></td>
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			<p align="center"><font size="3" face="Times New Roman">(IRS
			Employer Identification No.)</font></td>
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			<td colspan="3" valign="top"><b><font face="Times New Roman">9337
			Milliken Avenue</font><font size="3" face="Times New Roman"><br>
			Rancho Cucamonga, CA<br>
			</font></b><font size="3">(Address of principal executive offices)</font></td>
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			91730<br>
			</font></b><font size="3">(Zip Code)</font></td>
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			<p align="center"><font size="3" face="Times New Roman">Registrant's
			telephone number, including area code<b>:&nbsp; (909) 941-5400</b></font></p>
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			<p align="center"><b><font size="3" face="Times New Roman">Not
			Applicable</font><br>
			</b><font size="3">(Former name or former address, if changed since
			last report)</font></td>
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			<p align="center"></td>
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			<p align="center"><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:<br>
			</font></td>
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			<p align="center"><font size="3" face="Times New Roman">&nbsp;</font></td>
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			<td colspan="5" valign="top"><font size="3" face="Times New Roman">[
			] Written communications pursuant to Rule 425 under the Securities
			Act (17 CFR 230.425).<br>
			</font></td>
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			<p align="center"><font size="3" face="Times New Roman">&nbsp;</font></td>
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			<td colspan="5" valign="top"><font size="3" face="Times New Roman">[
			] Soliciting material pursuant to Rule 14a-12 under the Exchange Act
			(17 CFR 240.14a-12).<br>
			</font></td>
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			<p align="center"><font size="3" face="Times New Roman">&nbsp;</font></td>
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			<td colspan="5" valign="top"><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)).<br>
			</font></td>
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			<p align="center"><font size="3" face="Times New Roman">&nbsp;</font></td>
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			<td colspan="5" valign="top"><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)).<br>
			</font></td>
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			<td valign="top"><b><font size="3" face="Times New Roman">Item
			2.02&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></b> <b><font size="3">Results of Operations and
			Financial Condition.</font></b>
        	<p><font size="3" face="Times New Roman">On October 23, 2006, PFF
			Bancorp, Inc. announced its earnings for the three and six months
			ended September 30, 2006.&nbsp; A copy of the press release dated
			October 23, 2006, describing the three and six months ended
			September 30, 2006 earnings is attached as Exhibit 99.1.</font></p>
			<p><font size="3" face="Times New Roman">&nbsp;</font></p>
			<p><b><font size="3" face="Times New Roman">Item 9.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
			Financial Statements and Exhibits</font></b></p>
			<p><b><font size="3" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
			&nbsp;</font></b> <font size="3" color="black">The following exhibit is
			furnished with this report:</font></p>
			<p><font size="3" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
			<u>Exhibit No.</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
			<u>Description</u></font></p>
			<p><font size="3" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
			99.1&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;&nbsp;
			PFF Bancorp, Inc. press release dated October 23, 2006.</font></p>
			<p><font size="2" face="Times New
Roman">&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></td>
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			SIGNATURES</font></b> </p>
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			&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>
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			<p align="center">&nbsp;</td>
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			<td valign="top" height="20" width="363"></td>
			<td colspan="2" valign="top" height="20"><b>
			<font size="3" face="Times New Roman">PFF BANCORP, INC.</font></b></td>
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			<td valign="top" width="363">&nbsp;</td>
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			<td valign="top" width="41"><font size="3" face="Times New Roman">
			By:</font></td>
			<td valign="top" width="581"><u>
			<font size="3" face="Times New Roman">/s/ Gregory C. Talbott</font></u></td>
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			<p style="margin-top: 1px; margin-bottom: 1px">
			<font size="3" face="Times New Roman">Gregory C. Talbott<br>
			Senior Executive Vice President, Chief Operating Officer/</font></p>
			<p style="margin-top: 1px; margin-bottom: 1px">
			<font size="3" face="Times New Roman">Chief Financial Officer and
			Treasurer</font></td>
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			Date: October 26, 2006</font></td>
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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 23, 2006
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.)
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
			2.02
Results of Operations and
			Financial Condition.
On October 23, 2006, PFF
			Bancorp, Inc. announced its earnings for the three and six months
			ended September 30, 2006.  A copy of the press release dated
			October 23, 2006, describing the three and six months ended
			September 30, 2006 earnings is attached as Exhibit 99.1.
Item 9.01       
			Financial Statements and Exhibits
The following exhibit is
			furnished with this report:
Exhibit No.
Description
99.1                          
			PFF Bancorp, Inc. press release dated October 23, 2006.
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
Senior Executive Vice President, Chief Operating Officer/
Chief Financial Officer and
			Treasurer
Date: October 26, 2006