<html>

<head>

<meta name="GENERATOR" content="Microsoft FrontPage 4.0">
<meta name="ProgId" content="FrontPage.Editor.Document">
<title>UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington</title>
</head>

<body>

<div>
  <p>&nbsp;</p>
  <table border="0" cellspacing="0" cellpadding="0" width="548">
    <tr>
      <td colspan="5" valign="top" width="546">
        <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>
      </td>
    </tr>
    <tr>
      <td valign="top" width="173"></td>
      <td colspan="3" valign="top" width="164"></td>
      <td valign="top" width="205"></td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="546">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="546">
        <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="546">
        <h2></h2>
      </td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="546">
        <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="173">&nbsp;</td>
      <td colspan="3" valign="top" width="164"></td>
      <td valign="top" width="205"></td>
    </tr>
    <tr>
      <td valign="top" width="173"></td>
      <td colspan="3" valign="top" width="164"></td>
      <td valign="top" width="205"></td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="546">
        <p align="center"><font size="3" face="Times New Roman">Date of report
        (Date of earliest event reported): July 23, 2004</font></p>
      </td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="546"></td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="546">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="546">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="546">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="2" valign="top" width="173"></td>
      <td valign="top" width="164"></td>
      <td colspan="2" valign="top" width="205"></td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="546">
        <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="546">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="546">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="2" valign="top" width="173"></td>
      <td valign="top" width="164"></td>
      <td colspan="2" valign="top" width="205"></td>
    </tr>
    <tr>
      <td colspan="2" valign="top" width="173">
        <p align="center"><b><font size="3" face="Times New Roman">Delaware</font></b></p>
      </td>
      <td valign="top" width="164">
        <p align="center"><b><font size="3" face="Times New Roman">0-27404</font></b></p>
      </td>
      <td colspan="2" valign="top" width="205">
        <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="173">
        <p align="center"><b><font size="3" face="Times New Roman Bold">(</font></b><font face="Times New Roman">State
        or other jurisdiction of <br>
        incorporation)</font></td>
      <td valign="top" width="164">
        <p align="center"><font size="3" face="Times New Roman">(Commission File
        Number)</font></p>
      </td>
      <td colspan="2" valign="top" width="205">
        <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="173"></td>
      <td valign="top" width="164"></td>
      <td colspan="2" valign="top" width="205"></td>
    </tr>
    <tr>
      <td colspan="2" valign="top" width="173">&nbsp;</td>
      <td valign="top" width="164"></td>
      <td colspan="2" valign="top" width="205"></td>
    </tr>
    <tr>
      <td colspan="2" valign="top" width="173">&nbsp;</td>
      <td valign="top" width="164"></td>
      <td colspan="2" valign="top" width="205"></td>
    </tr>
    <tr>
      <td colspan="3" valign="top" width="339">
        <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="205">
        <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="339">&nbsp;</td>
      <td colspan="2" valign="top" width="205"></td>
    </tr>
    <tr>
      <td colspan="3" valign="top" width="339"></td>
      <td colspan="2" valign="top" width="205"></td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="546">
        <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="546"></td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="546">&nbsp;</td>
    </tr>
    <tr>
      <td colspan="5" valign="top" width="546">
        <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>
  </table>
  <p><br>
  </p>
  <hr>
  <p>&nbsp;</p>
  <table border="0" cellspacing="0" cellpadding="0" width="669">
    <tr>
      <td colspan="2" valign="top" width="157">
        <p><b><font size="3" face="Times New Roman">Items 1 through 6.</font></b></p>
      </td>
      <td valign="top" width="508">
        <p><b><font size="3" face="Times New Roman">Not applicable.</font></b></p>
      </td>
    </tr>
    <tr>
      <td colspan="2" valign="top" width="157"></td>
      <td valign="top" width="508">&nbsp;</td>
    </tr>
    <tr>
      <td valign="top" width="76">
        <p><b><font size="3" face="Times New Roman">Item 7.</font></b></p>
      </td>
      <td valign="top" width="79"></td>
      <td valign="top" width="508">
        <p><b><font size="3" face="Times New Roman">Financial Statements and
        Exhibits</font></b></p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="76"></td>
      <td valign="top" width="79"></td>
      <td valign="top" width="508">&nbsp;</td>
    </tr>
    <tr>
      <td valign="top" width="76"></td>
      <td valign="top" width="79">
        <p><font size="3" face="Times New Roman">(a)</font></p>
      </td>
      <td valign="top" width="508">
        <p><font size="3" face="Times New Roman">No financial statements are
        required to be filed with this report.</font></p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="76"></td>
      <td valign="top" width="79"></td>
      <td valign="top" width="508">&nbsp;</td>
    </tr>
    <tr>
      <td valign="top" width="76"></td>
      <td valign="top" width="79">
        <p><font size="3" face="Times New Roman">(b)</font></p>
      </td>
      <td valign="top" width="508">
        <p><font size="3" face="Times New Roman">No pro forma financial
        information is required to be filed with this report.<br>
        </font>&nbsp;</p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="76"></td>
      <td valign="top" width="79">
        <p><font size="3" face="Times New Roman">(c)</font></p>
      </td>
      <td valign="top" width="508">
        <p><font size="3" face="Times New Roman">The following exhibit is filed
        with this Report:</font></p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="76"></td>
      <td valign="top" width="79"></td>
      <td valign="top" width="508">&nbsp;</td>
    </tr>
    <tr>
      <td valign="top" width="76"></td>
      <td valign="top" width="79">
        <p><u><font size="3" face="Times New Roman">Exhibit No</font></u></p>
      </td>
      <td valign="top" width="508">
        <p><u><font size="3" face="Times New Roman">Description</font></u></p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="76"></td>
      <td valign="top" width="79">
        <p><font size="3" face="Times New Roman">99.1</font></p>
      </td>
      <td valign="top" width="508">
        <p><font size="3" face="Times New Roman">Press release issued by PFF
        Bancorp, Inc. on July 23, 2004, furnished in accordance with Item 12 of
        this Current Report on Form 8-K.<br />
        &nbsp;
        </font></p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="76">
        <p><b><font size="3" face="Times New Roman">Item 8</font><font size="3">.</font></b></p>
      </td>
      <td valign="top" width="79"></td>
      <td valign="top" width="508">
        <p><b><font size="3" face="Times New Roman">Not applicable.</font></b></p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="76"></td>
      <td valign="top" width="79"></td>
      <td valign="top" width="508">&nbsp;</td>
    </tr>
    <tr>
      <td valign="top" width="76">
        <p><b><font size="3" face="Times New Roman">Item 9.</font></b></p>
      </td>
      <td valign="top" width="79"></td>
      <td valign="top" width="508">
        <p><b><font size="3" face="Times New Roman">Regulation FD</font></b></p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="76"></td>
      <td valign="top" width="79"></td>
      <td valign="top" width="508">&nbsp;</td>
    </tr>
    <tr>
      <td valign="top" width="76"></td>
      <td valign="top" width="79"></td>
      <td valign="top" width="508">
        <p><font size="3" face="Times New Roman">The following information is
        furnished under this Item 9 in satisfaction of Item 12, &quot;Disclosure
        of Results of Operations and Financial Condition.&quot;<br />
        &nbsp;
        </font></p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="76"></td>
      <td valign="top" width="79"></td>
      <td valign="top" width="508">
        <p><font size="3" face="Times New Roman">On July 23, 2004, PFF Bancorp,
        Inc. announced its earnings for the three months ended June 30,
        2004.&nbsp; A copy of the press release dated July 23, 2004, describing
        the three months ended June 30, 2004 earnings is attached as Exhibit
        99.1.<br>
        &nbsp;
        </font></p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="76">
        <p><b><font size="3" face="Times New Roman">Item 10-11.</font></b></p>
      </td>
      <td valign="top" width="79"></td>
      <td valign="top" width="508">
        <p><b><font size="3" face="Times New Roman">Not applicable.</font></b></p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="76"></td>
      <td valign="top" width="79"></td>
      <td valign="top" width="508">&nbsp;</td>
    </tr>
    <tr>
      <td valign="top" width="76">
        <p><b><font size="3" face="Times New Roman">Item 12.</font></b></p>
      </td>
      <td valign="top" width="79"></td>
      <td valign="top" width="508">
        <p><b><font size="3" face="Times New Roman">Results of Operations and
        Financial Condition</font></b></p>
      </td>
    </tr>
    <tr>
      <td valign="top" width="76"></td>
      <td valign="top" width="79"></td>
      <td valign="top" width="508">
        <p><font size="3" face="Times New Roman">See Item 9 per SEC Release
        33-8216, March 27, 2003.</font></p>
      </td>
    </tr>
  </table>
  <p>&nbsp;</p>
  <hr>
  <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> INDEX</b></p>
  <table border="0" cellspacing="0" cellpadding="0" width="648">
    <tr>
      <td valign="top">
        <p align="center"><b><u><font size="3" face="Times New Roman Bold">Exhibi</font><font size="3">t</font></u></b></p>
      </td>
      <td valign="top">
        <p align="center"><b><u><font size="3" face="Times New Roman Bold">Description</font></u></b></p>
      </td>
    </tr>
    <tr>
      <td valign="top">
        <p align="center"><font size="3" face="Times New Roman">99.1</font></p>
      </td>
      <td valign="top">
        <p align="center"><font size="3" face="Times New Roman">Press Release
        dated July 23, 2004.</font></p>
      </td>
    </tr>
  </table>
  <p>&nbsp;</p>
  <hr>
  <p>&nbsp;</p>
  &nbsp;
  <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;&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></p>
      </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"></td>
      <td valign="top">&nbsp;</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: July 23, 2004</font></p>
      </td>
      <td valign="top"></td>
      <td valign="top"></td>
    </tr>
  </table>
  <p>&nbsp;</p>
</div>

</body>

</html>
[{"type": "8-K", "sequence": "1", "filename": "pfb06302004form8k.htm", "description": "PFF BANCORP INC. 8K JULY 23, 2004", "secsgml_size_bytes": 14849}]
{"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": "04934340"}, "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 23, 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 July 23, 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 July 23, 2004, PFF Bancorp,
        Inc. announced its earnings for the three months ended June 30,
        2004.  A copy of the press release dated July 23, 2004, describing
        the three months ended June 30, 2004 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 July 23, 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: July 23, 2004