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

Exhibit

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