PFF Bancorp (PFFBQ) 8-K Strong Fourth Quarter Margin Expansion Propels PFF Bancorp, Inc. to Record Earnings for Fiscal 2005

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): April 21, 2005
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)
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)).

Item 2.02            Results of Operations and Financial Condition.

On April 21, 2005, PFF Bancorp, Inc. announced its earnings for the fourth quarter and fiscal year ended March 31, 2005.  A copy of the press release dated April 21, 2005, describing the fourth quarter and fiscal year ended March 31, 2005 earnings is attached as Exhibit 99.1.

Item 9.01            Financial Statements and Exhibits.

The following exhibit is furnished with this report:

Exhibit No.            Description

99.1          PFF Bancorp, Inc. press release dated April 21, 2005.

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: April 27, 2005