UNITED STATES

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 12b-25

NOTIFICATION OF LATE FILING

Commission File Number 001-16845

 

(Check one)

      

 Form 10-K

      

 Form 20-F

X

  Form 11-K

      

 Form 10-Q

     

 Form 10-D

       

 Form N-SAR

 

 Form N-CSR

 

For Period Ended:

  December 31, 2005

 

       

 

 Transition Report on Form 10-K

    

 

 Transition Report on Form 20-F

    

 

 Transition Report on Form 11-K

      

 

 Transition Report on Form 10-Q

        

 

 Transition Report on Form N-SAR

 

For the Transition Period Ended:

 

 

 

Nothing in this form shall be construed to imply that the Commission has verified any information contained herein.

 

  If  the notification relates to a portion of the filing checked above, identify the Item(s) to which the notification relates:

N/A

 

PART I - REGISTRANT INFORMATION

 
PFF Bancorp, Inc.
Full Name of Registrant
 
N/A
Former Name if Applicable
 
350 South Garey Ave
Address of Principal Executive Office (Street and Number)
 
Pomona, California 91766
City, State and Zip Code

 

PART II - RULES 12b-25(b) AND (c)

If the subject report could not be filed without unreasonable effort or expense and the registrant seeks relief pursuant to

Rule 12b-25(b), the following should be completed. (Check box if appropriate)

 

(a)

 The reason described in reasonable detail in Part III of this form could not be eliminated without unreasonable

 

effort or expense;

(b)

The subject annual report, semi-annual report, transition report on Form 10-K, Form 20-F, Form 11-K, Form

 

N-SAR or Form N-CSR, or potion thereof, will be filed on or before the fifteenth calendar day following the

 [X]

  

prescribed due date; or the subject quarterly report or transition report on Form 10-Q or subject distribution

 

report on Form 10-D, or portion thereof, will be filed on or before the fifth calendar day following the

 

prescribed due date; and

(c)

The accountant's statement or other exhibit required by Rule 12b-25(c) has been attached if applicable.

 

PART III - NARRATIVE

 

State below in reasonable detail why Forms 10-K, 20-F, 11-K, 10Q, 10-D, N-SAR, N-CSR or the transition report or

portion thereof, could not be filed within the prescribed time period.

 

The registrant is unable to file the Annual Report on Form 11-K for the year ended December 31, 2005 for

the Capital Accumulation Plan for Employees of PFF Bank & Trust within the prescribed period without

unreasonable effort or expense, due to unanticipated delays in completing the financial statements for

inclusion in the Form 11-K.  The registrant fully intends to file the Annual Report on Form 11-K within the

extended time period.

 

PART IV - OTHER INFORMATION                  

 
     
(1) Name and telephone of person to contact in regard to this notification  
 

Gregory C. Talbott

       

(909)

       

623-2323

  
 

Name

(Area Code)

(telephone Nubmer)

  

 

 

 

(2) 

Have all other periodic reports required under Section 13 or 15(d) of the Securities Exchange Act of 1934 or Section

 

 30 of the Investment Company Act of 1940 during the preceding 12 months or for such shorter period that the registrant was required to file such report(s) been filed? If answer is no, identify report(s).              Yes __X___  No_____

 

  

 

(3)

Is it anticipated that any significant change in results of operations from the corresponding period for the last fiscal

 

 year will be reflected by the earnings statements to be included in the subject report or portion thereof?

 

 Yes _____  No___X__

 

 

PFF Bancorp, Inc.

Name of Registrant as Specified in Charter

 

has caused this notification to be signed on its behalf by the undersigned hereunto duly authorized.

 

 

Date

  June 29, 2006

        

By

  /s/ Gregory C. Talbott

Title

  Senior Executive Vice President/Chief Operating  Officer/Chief Financial Officer and Treasurer