PFF Bancorp (PFFBQ) 8-K PFF Bancorp, Inc. Reports 38 Percent Increase In Third

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): January 23, 2006
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 January 23, 2006, PFF Bancorp, Inc. announced its earnings for the three and nine months ended December 31, 2005.  A copy of the press release dated January 23, 2006, describing the three and nine months ended December 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 January 23, 2006.

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, Chief Financial Officer and Treasurer
Date: January 24, 2006