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 21, 2004

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

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)

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)).

On October 21, 2004, PFF Bancorp, Inc. announced its earnings for the three and six months ended September 30, 2004.  A copy of the press release dated October 21, 2004, describing the three and six months ended September 30, 2004 earnings is attached as Exhibit 99.1.

99.1

           PFF Bancorp, Inc. press release dated October 21, 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: October 26, 2004