UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

FORM 11-K

|(Mark One)                                                                                                                                                 
|-----------------------------------------------------------------------------------------------------------------------------------------------------------
|[ X ] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES
      EXCHANGE ACT OF 1934 [FEE REQUIRED]
      For the fiscal year ended December 31, 2002
|OR                                                                                                                                                         
|[ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES
      EXCHANGE ACT OF 1934 [NO FEE REQUIRED]                                             
|For the transition period from __________ to __________                                                                                                    
|Commission File No. 0-27404                                                                                                                                
|A.                                                                                                                                                         
|Capital Accumulation Plan for
      Employees of PFF Bank & Trust                                                                                          
|B.                                                                                                                                                         
|PFF Bancorp, Inc.
      350 South Garey Avenue
      Pomona, California 91766                                                                              

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CAPITAL ACCUMULATION PLAN  for
Employees of PFF Bank & Trust

Financial Statements and Supplemental Schedule

December 31, 2002 and 2001

(With Independent Auditors' Report Thereon)

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CAPITAL ACCUMULATION PLAN  for
Employees of PFF Bank & Trust



|Index to Financial Statements and Supplemental Schedule                                                   
|----------------------------------------------------------------------------------------------------------
|                                                                                                          
|Independent Auditors' Report                                                                              
|Statements of Net Assets Available for
      Benefits -- December 31, 2002 and 2001                       
|Statements of Changes in Net Assets Available for Benefits --
      Years ended December 31, 2002 and 2001
|Notes to Financial Statements                                                                             
|Schedule                                                                                                  
|Schedule H, Line 4i -- Schedule of Assets (Held at End of Year) -
      December 31, 2002                 

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Independent Auditors' Report

The Plan Administrator
Capital Accumulation Plan
for Employees of PFF Bank & Trust:

We have audited the accompanying statements of net assets
available for benefits of the Capital Accumulation Plan for Employees of PFF
Bank & Trust as of December 31, 2002 and 2001 and the related statements of
changes in net assets available for benefits for the years then ended. These
financial statements are the responsibility of the Plan's management. Our
responsibility is to express an opinion on these financial statements based on
our audits.

We conducted our audits in accordance with auditing standards
generally accepted in the United States of America. Those standards require that
we plan and perform the audit to obtain reasonable assurance about whether the
financial statements are free of material misstatement. An audit includes
examining, on a test basis, evidence supporting the amounts and disclosures in
the financial statements. An audit also includes assessing the accounting
principles used and significant estimates made by management, as well as
evaluating the overall financial statement presentation. We believe that our
audits provide a reasonable basis for our opinion.

In our opinion, the financial statements referred to above
present fairly, in all material respects, the net assets available for benefits
of the Capital Accumulation Plan for the Employees of PFF Bank & Trust as of
December 31, 2002 and 2001 and the changes in net assets available for benefits
for the years then ended in conformity with accounting principles generally
accepted in the United States of America.

Our audits were performed for the purpose of forming an
opinion on the basic financial statements taken as a whole. The supplemental
schedule, Schedule H, Line 4i - Schedule of Assets (held at end of year), is
presented for the purpose of additional analysis and is not a required part of
the basic financial statements but is supplementary information required by the
Department of Labor's Rules and Regulations for Reporting and Disclosure under
the Employee Retirement Income Security Act of 1974. The supplemental schedule
is the responsibility of the Plan's management. The supplemental schedule has
been subjected to the auditing procedures applied in the audits of the basic
financial statements and, in our opinion, is fairly stated in all material
respects in relation to the basic financial statements taken as a whole.

/s/ KPMG LLP

Los Angeles, California
May 30, 2003

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CAPITAL

Statements of Net Assets Available for Benefits

December 31, 2002 and 2001

|                                                |                           |                                 | 2002       | 2001                                  
|----------------------------------------------- | ------------------------- | ------------------------------- | ---------- | --------------------------------------
|Investments:                                    |                           |                                
|                                                | Cash and cash equivalents | $ 2,295                         | 38,050    
|                                                | Mutual funds              | 13,203,811                      | 12,109,525
|                                                | Common stock              | 4,369,375                       | 5,073,460 
|                                                | Loans to participants     | 593,213                         | 576,403   
|                                                |                           | Total investments at fair value | 18,168,694 | 17,797,438                            
|Receivables:                                    |                           |                                
|                                                | Employer contribution     | -                               | 463,535   
|                                                |                           |                                 |            | Net assets available for plan benefits
|See accompanying notes to financial statements. |                           |                                

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CAPITAL

Statements of Changes in Net Assets Available for Benefits

Years ended December 31, 2002 and 2001

|                                                |                                              |                                                          | 2002         | 2001     
|----------------------------------------------- | -------------------------------------------- | -------------------------------------------------------- | ------------ | ---------
|Contributions:                                  |                                              |                                                          |             
|                                                | Employer                                     | $ 685,592                                                |              | 463,535  
|                                                | Participants                                 | 1,532,581                                                |              | 973,230  
|                                                |                                              | 2,218,173                                                |              | 1,436,765
|Investment Income:                              |                                              |                                                          |             
|                                                | Interest and dividends earned on investments | 513,663                                                  |              | 457,611  
|                                                | Realized and unrealized gains (losses), net  | (1,546,853)                                              |              | 490,673  
|                                                |                                              |                                                          | (1,033,190)  |          
|                                                |                                              | Total additions                                          | 1,184,983    |          
|Deductions from net assets attributed to:       |                                              |                                                          |             
|                                                | Benefits paid to participants                | 1,275,712                                                |              | 643,271  
|                                                | Loan fees (note 1)                           |                                                          | 1,550        |          
|                                                |                                              | Total deductions                                         | 1,277,262    |          
|                                                |                                              | Increase (decrease) in net assets available for benefits | (92,279)     |          
|Net assets available for benefits:              |                                              |                                                          |             
|                                                | Beginning of year                            |                                                          | 18,260,973   |          
|                                                | End of year                                  |                                                          | $ 18,168,694 |          
|See accompanying notes to financial statements. |                                              |                                                         

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(1) Description of Plan

The following description of the Capital Accumulation Plan
for Employees of PFF Bank & Trust (the Plan), provides only general
information. Participants should refer to the Plan agreement for a more complete
description of the Plan's provisions.

> (a) General

The Plan is a defined contribution plan covering all
  eligible employees of PFF Bank & Trust and its subsidiaries and affiliates
  (the Bank or Plan Sponsor). Employees become eligible for participation in the
  Plan upon their date of hire. Participants must complete 1,000 hours of
  service in a twelve month period to share in the employer's matching
  contribution. In order to become a participant, each eligible employee
  authorizes contributions by filing a 401(k) enrollment/change of status
  election. The Plan is subject to the provisions of the Employee Retirement
  Income Security Act of 1974 (ERISA).

The Plan was amended to provide that employees are eligible
  to participate in the Plan on their first day of hire, the definition of cash
  compensation used by the Plan was modified and the Plan was modified to allow
  the employer matching contributions to be determined in accordance with the
  basic safe harbor match formula, which are 100% vested. The eligibility period
  for receiving these matching contributions is one year of service.

(b) Contributions

Effective January 1, 2002, the Plan is referred to as a
  "safe harbor 401(k) plan." The Bank makes safe harbor matching
  contributions equal to 100% of participant salary deferrals that do not exceed
  3% of compensation, plus 50% of participant salary deferrals in excess of 3%
  and up to 5% of compensation. The safe harbor matching contribution is fully
  vested and is referred to as a Safe Harbor Contribution. The Bank may
  contribute out of its income and/or accumulated earned surplus an amount equal
  to a specified percentage of the tax-deferred contribution of the participants
  or a profit sharing contribution with the amount to be determined by the board
  of directors. Effective January 1, 2002, participants can contribute up to
  100% of their compensation, not to exceed the IRS limit of $11,000 in a
  calendar year for 2002, which increased from $10,500 for 2001. In addition,
  the Plan permits participants who reach age 50 or older by December 31 of the
  Plan Year to contribute an additional amount of their annual compensation as a
  catch-up contribution as provided by the Economic Growth and Tax Relief
  Reconciliation Act (EGTRRA).

From inception of the Plan through July 3, 1997 the maximum
  annual participant contribution was 15% of the participant's annual salary, as
  defined within the Plan. Beginning July 4, 1997 through December 31, 2001 , to
  avoid violating IRS regulations, the maximum annual contribution was 8%, 7%,
  and 5% for "nonhighly compensated" employees, "highly
  compensated" employees, and "executives," respectively. For
  2001, the Bank chose to match the participants' contributions at a rate of
  100% of the first 1% and 50% of the next 6% of contributions. Forfeitures of
  matching contributions are used to reduce the Bank's matching contributions.
  No profit sharing contribution was made for either 2002 or 2001.

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> (c) Participant Accounts

Each participant's account is credited with the
  participant's contribution and allocation of (a) the Bank's contribution and
  (b) Plan earnings. Allocations other than the Bank's matching contributions
  are based on participant earnings or account balances, as defined. The benefit
  to which a participant is entitled is the benefit that can be provided from
  the participant's vested account.

(d) Vesting

Employee contributions and the earnings as a result of each
  participant's contributions are 100% vested and nonforfeitable. The Bank's
  safe harbor contributions are also 100% vested and nonforfeitable. Matching
  contributions made prior to January 1, 2002 and any future discretionary
  matching contributions and any future profit sharing contributions vest at the
  rate of 20% after one year of service and 20% each year thereafter until 100%
  vesting is reached after five years of service. In addition, a participant
  becomes 100% vested on the participant's attaining age 65, or on the
  participant's death or total and permanent disablement.

(e) Participant Loans

Participants may borrow from their fund accounts a minimum
  of $1,000 up to a maximum equal to the lesser of $50,000 reduced by the
  highest outstanding loan balance during the preceding 12 months or 50% of
  their vested account balance. Loan repayments are to be made over a period not
  to exceed 5 years, except loans for the purchase of a primary residence
  in which case payment may exceed 5 years. The loans are secured by the
  balance in the participant's account and bear interest at a rate of Wall
  Street Journal Prime plus 1%. Participants pay a $50 origination fee for each
  loan advanced to them.

(f) Payment of Benefits

On termination of service, a participant may elect to
  receive a lump-sum amount equal to the vested balance of his or her account.

(g) Forfeited Accounts

At December 31, 2002 there were no forfeited nonvested
  accounts. For the years ended December 31, 2002 and 2001, $15,715 and
  $23,971 of forfeitures, respectively were used to reduce employer
  contributions.

(2) Summary of Significant Accounting Policies

> (a) Basis of Presentation

The accompanying financial statements have been prepared on
the accrual basis of accounting.

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> (b) Trust Fund Managed by Investment Advisory Committee

Under the terms of the Plan, the assets of the Plan are
placed in trust (the Trust), and are held under the trusteeship of PFF Bank
& Trust's Trust and Investment Services Department (PFF Trust). Assets are
managed under the direction of the Employee Compensation and Benefits Committee
of the Bank's board of directors (the Committee). The Committee has delegated
certain of its ordinary management and investment responsibilities to certain
members of the Bank's Executive Committee and the Human Resources Director.
Committee members are appointed for an indefinite term by the Bank's board of
directors. The Committee has full discretionary authority to administer the Plan
and the trust agreement.

The investments and changes therein of these trust funds have
been reported by PFF Trust as having been determined through the use of fair
market values based upon quotations obtained from national securities exchanges
or latest bid prices. Security transactions are accounted for on a trade-date
basis. Realized gains and losses on the sale of investments are computed using
the average cost method. Participant loans are valued at their outstanding
balance which approximates fair value.

(c) Disclosure about Fair Value of Financial Instruments

Substantially all of the Plan's financial instruments are
carried at fair value or amounts approximating fair value.

(d) Use of Estimates

The preparation of financial statements in conformity with
accounting principles generally accepted in the United States of America
requires the Plan Administrator to make estimates and assumptions that affect
the reported amounts of assets and liabilities and changes therein, and
disclosure of contingent assets and liabilities. Accordingly, actual results may
differ from those estimates.

(e) Administrative Expenses

All administrative expenses of the Plan were paid directly by
the Bank in 2002 and 2001 except for participant loans origination fees.

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(3) Investments

> The following table presents the cost and fair values of
> those investments at December 31, with those that represent 5% or more of
> the Plan's net assets separately identified.

|Identity of party and description of asset                                                              |   | 2002        |  | 2001      
|------------------------------------------------------------------------------------------------------- | - | ----------- |  | ----------
|PFF Bancorp, Inc. Stock                                                                                 | $ | 4,369,375   |  | 5,073,460 
|Berger Small Company Growth Fund                                                                        |   | 466,173*    |  | 939,491   
|Federated Capital Preservation Fund                                                                     |   | 5,211,211   |  | 4,473,175 
|Federated Stock Trust Fund                                                                              |   | 1,268,132   |  | 1,475,362 
|Federated Max-Cap Index Fund                                                                            |   | 1,522,622   |  | 2,195,212 
|Janus Balanced Fund                                                                                     |   | 1,322,863   |  | 1,369,368 
|Janus Worldwide Fund                                                                                    |   | 607,557*    |  | 861,746   
|Others individually less than 5% of net assets                                                          |   | 3,400,761   |  | 1,409,624 
|Total                                                                                                   | $ | 18,168,694  |  | 17,797,438
|* Fair value does not represent 5% or more of the
      Plan's net assets at December 31, 2002         
|                                                                                                       
|The net appreciation (depreciation) of the Plan's
      investments, by investment type, is as follows:
|                                                                                                        |   | 2002        |  | 2001      
|Common stock                                                                                            | $ | 454,925     |  | 1,182,303 
|Mutual funds                                                                                            |   | (2,001,778) |  | (691,630) 
|                                                                                                        | $ | (1,546,853) |  | 490,673   

Allocation of Plan Assets

Employee contributions are allocated to various funds based
on the election made by each participant. Net income or loss of each fund is
allocated on the basis of the proportionate asset balance of each participant as
of the previous valuation date after adjustment for withdrawals, distributions,
and other additions or subtractions that may be appropriate. Earnings are
allocated on the basis of current shares held in each participant's account and
the accounts are valued daily.

(4) Plan Termination

> Although the Bank has not expressed any intent to terminate
> the Plan, it may do so at any time subject to the provisions of ERISA. In the
> event the Plan is terminated, all participants become 100% vested in their
> account balances.

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(5) Federal Income Taxes

> The plan obtained its latest determination letter on
> August 30, 2001, in which the Internal Revenue Service stated that the
> plan, as then designed, was in compliance with the applicable requirements of
> the Internal Revenue Code. The plan administrator and the plan's tax counsel
> believe that the plan is currently designed and being operated in compliance
> with the applicable requirements of the Internal Revenue Code. Therefore, no
> provision for income taxes has been included in the plan's financial statements.

(6) Related Party Transactions

> The Plan held 139,820 and 183,821 shares of common stock of
> PFF Bancorp, Inc. at December 31, 2002 and 2001, respectively. In addition,
> the Bank was Trustee for all assets of the Plan.

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ScheduleCAPITAL ACCUMULATION PLAN FOREMPLOYEES OF PFF BANK & TRUSTSchedule H, Line 4i - Schedule of Assets (Held at End of
      Year)December 31, 2002Identity of issue, borrower, lessor or similar party
    
    Description of investment including maturity date, rate
      of interest, collateral, par, or maturity value
    
    Current
      value*PFF Bancorp, Inc.
    
    Common Stock 139,820 shares
    $
    4,369,375Federated Capital PreservationFund
    
    
    
    
    Mutual Fund 521,121 units
    
    5,211,211Federated Intermediate IncomeFund
    
    Mutual Fund 72,001 units
    
    735,130Federated Max-Cap Index Fund
    
    Mutual Fund 85,589 units
    
    1,522,622Federated Stock Trust
    
    Mutual Fund 46,657 units
    
    1,268,132Federated Managed IncomePortfolio
    
    Mutual Fund 19,641 units
    
    198,964Federated ManagedConservative GrowthPortfolio
    
    Mutual Fund 8,532 units
    
    81,135Federated Managed ModerateGrowth Portfolio
    
    Mutual Fund 9,378 units
    
    90,500Federated Managed GrowthPortfolio
    
    Mutual Fund 10,158 units
    
    95,791Federated Growth StrategiesFund
    
    Mutual Fund 5,673 units
    
    106,201Berger Small Company Growth
    Mutual Fund 287,761 units
    
    466,173Alger MidCap Growth Fund
    Mutual Fund 43,741 units
    
    458,843PIMCO Renaissance Fund
    Mutual Fund 48,101 units
    
    699,390Alliance Balanced Shares
    
    Mutual Fund 25,743 units
    
    339,299Janus Worldwide Fund
    
    Mutual Fund 18,909 units
    
    607,557Janus Balanced Fund
    
    Mutual Fund 73,986 units
    
    1,322,863Federated Prime ObligationFund
    
    
    
    
    Money Market 2,295 units
    
    2,295Participants loans
    
    87 loans with interest rates ranging from 5.25% to
      10.50%
    
    593,213Total
    $
    18,168,694* Denotes a party in interest.See accompanying independent auditors' report.


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REQUIRED INFORMATION

I.
      Financial Statements.Financial statements and schedule prepared in accordance with the financial
reporting requirements of the Employee Retirement Income Security Act of 1974,
together with independent auditors' report thereon.II.
      Exhibits:Independent Auditors Consent.99.1 Certification of Chief Executive Officer pursuant to Section 906 of
Sarbanes-Oxley Act of 2002.99.2 Certification of Chief Financial Officer pursuant to Section 906 of
Sarbanes-Oxley Act of 2002.


SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the
trustees (or other persons who administer the Plan) have duly caused this annual
report to be signed on its behalf by the undersigned, hereunto duly authorized.



|                     |     | PFF Bank & Trust,
      Capital Accumulation Plan for
      Employees of PFF Bank & Trust     
|-------------------- | --- | ----------------------------------------------------------------------------------------------
|Dated: June 25, 2003 | By: | /s/ Gregory C. Talbott                                                                        
|                     |     | Gregory C. Talbott
      Executive Vice President, Chief Financial
      Officer and Treasurer

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