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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

SCHEDULE 13G

Under the Securities Exchange Act of 1934
(Amendment No. )*

PFF Bancorp, Inc.
(Name of Issuer)
Common Stock
(Title of Class of Securities)
69331W104
(CUSIP Number)
October 8, 2007
(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

     o Rule 13d-1(b)

     þ Rule 13d-1(c)

     o Rule 13d-1(d)

* The remainder of this cover page shall be filled out for a reporting person’s initial filing on this form with respect to the subject class of securities, and for any subsequent amendment containing information which would alter the disclosures provided in a prior cover page.

The information required in the remainder of this cover page shall not be deemed to be “filed” for the purpose of Section 18 of the Securities Exchange Act of 1934 (“Act”) or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the Notes).

 
 

 

                     
CUSIP No.
  
69331W104 
   Page  
2 
   of   
5 

 

           
1   NAMES OF REPORTING PERSONS

Cottonwood Holdings, Inc.
     
     
2   CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (SEE INSTRUCTIONS

Not Applicable
  (a)   o
  (b)   o
     
3   SEC USE ONLY
   
   
     
4   CITIZENSHIP OR PLACE OF ORGANIZATION
   
  Illinois
       
  5   SOLE VOTING POWER
     
NUMBER OF   1,308,600
       
SHARES 6   SHARED VOTING POWER
BENEFICIALLY    
OWNED BY   0
       
EACH 7   SOLE DISPOSITIVE POWER
REPORTING    
PERSON   1,308,600
       
WITH: 8   SHARED DISPOSITIVE POWER
     
    0
     
9   AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
   
  1,308,600
     
10   CHECK IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES (SEE INSTRUCTIONS)

Not Applicable
   
  o
     
11   PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)
   
  5.67%
     
12   TYPE OF REPORTING PERSON (SEE INSTRUCTIONS)
   
  Corporation (CO)

2

 

     
Item 1(a).
  Name of Issuer
 
    
 
  PFF Bancorp, Inc.
 
    
Item 1(b).
  Address of Issuer’s Principal Executive Offices
 
    
 
  9337 Milliken Avenue
Rancho Cucamonga, California 91730
 
    
Item 2(a).
  Name of Person Filing
 
    
 
  Cottonwood Holdings, Inc.
 
    
Item 2(b).
  Address of Principal Business Office or, if none, Residence
 
    
 
  11 W. Madison Street
Oak Park, IL 60302
 
    
Item 2(c).
  Citizenship
 
    
 
  Illinois
 
    
Item 2(d).
  Title of Class of Securities
 
    
 
  Common Stock
 
    
Item 2(e).
  CUSIP Number
 
    
 
  69331W104
 
    
Item 3.
  If this statement is filed pursuant to §§240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a: Not Applicable
         
(a)
  o   Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o).
 
(b)
  o   Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c).
 
(c)
  o   Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c).
 
(d)
  o   Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8).
 
(e)
  o   An investment adviser in accordance with §240.13d-1(b)(1)(ii)(E);
 
(f)
  o   An employee benefit plan or endowment fund in accordance with §240.13d-1(b)(1)(ii)(F);
 
(g)
  o   A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
 
(h)
  o   A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
 
(i)
  o   A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
 
(j)
  o   Group, in accordance with §240.13d-1(b)(1)(ii)(J).

3

 

     
Item 4.
  Ownership
 
    
 
  Provide the following information regarding the aggregate number and percentage of the class of securities of the issuer identified in Item 1.
         
 
  (a)   Amount beneficially owned: 1,308,600
 
        
 
  (b)   Percent of class: 5.67%
 
        
 
  (c)   Number of shares as to which the person has:
       
  (i)   Sole power to vote or to direct the vote
 
      1,308,600
 
  (ii)   Shared power to vote or to direct the vote
 
      0
 
  (iii)   Sole power to dispose or to direct the disposition of
 
      1,308,600
 
  (iv)   Shared power to dispose or to direct the disposition of
 
      0
     
Item 5.
   Ownership of Five Percent or Less of a Class:
 
 
 
If this statement is being filed to report the fact that as of the date hereof the reporting person has ceased to be the beneficial owner of more than five percent of the class of securities, check the following o.
     
Item 6.
  Ownership of More than Five Percent on Behalf of Another Person:
 
 
  Cottonwood Holdings, Inc. is a wholly-owned subsidiary of FBOP Corporation.
     
Item 7.
  Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on By the Parent Holding Company:
 
    
 
  n/a
     
Item 8.
  Identification and Classification of Members of the Group:
 
    
 
  n/a
     
Item 9.
  Notice of Dissolution of Group:
 
    
 
  n/a

4

 

     
Item 10.
  Certification:
 
 
  By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect.
SIGNATURE
     After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.
             
 
        October 17, 2007  
 
           
 
        Date  
 
            
 
        Cottonwood Holdings, Inc.  
 
           
 
            
 
    By:   /s/ William M. Ramette  
 
           
 
        William M. Ramette
President		  

5