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): February 20, 2004

PFF BANCORP, INC.
(Exact name of registrant as specified in its charter)

(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 5.

Other Events and Regulation FD Disclosure

On Tuesday, February 24, 2004, at 11:20 a.m., PFF Bancorp, Inc. will be presenting at the Wall Street Transcript Investing in the Banking Industry Conference in New York.  A copy of the power point presentation can be viewed at http://www.pffbank.com/by clicking on Investor Relations/Events/Presentations.

Item 7.

Financial Statements and Exhibits

The following exhibit is filed with this report:

Exhibit
 No

Description

99.1

Press release dated February 20, 2004, of PFF Bancorp, Inc.

Exhibit

Description

99.1

Press release dated February 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: February 24, 2004