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]

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



1. Full title of the plan and the address of the plan, if different from that
    of the issuer named below:
2. Name of issuer of the securities held pursuant to the plan and the address
    of its principal executive office:

PFF Bancorp, Inc.
350 South Garey Avenue
Pomona, California 91766



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PLAN FOR
EMPLOYEES OF PFF BANK & TRUST

Financial Statements and Supplemental Schedule

December 31, 2001 and 2000

(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

PageIndependent Auditors' Report
    1Statements of Net Assets Available for Benefits - December 31,
      2001 and 2000
    2Statements of Changes in Net Assets Available
      for Benefits - Years ended December 31, 2001 and 2000
    3Notes to Financial Statements
    4ScheduleSchedule H, Line 4i - Schedule of
      Assets (Held at End of Year)
    8




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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 (the Plan) as of December 31, 2001 and 2000 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 Plan as of December 31, 2001 and 2000 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 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.

KPMG LLP

Orange County, California
June 4, 2002

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CAPITAL

Statements of Net Assets Available for Benefits

December 31, 2001 and 2000

2001
      2000InvestmentsCash and cash equivalents
      $ 38,050
      15,240Mutual Funds
      12,109,525
      10,896,092Common Stock
      5,073,460
      4,706,436Loans to participants
      576,403
      542,292Total investments at fair value
      17,797,438
      16,160,060Receivables - employer contribution
      463,535
      361,095Net assets available for plan benefits
      $ 18,260,973
      16,521,155See
        accompanying notes to financial statements.


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CAPITAL

Statements of Changes in Net Assets Available for Benefits

Years ended December 31, 2001 and 2000

2001
      2000Contributions:Employer (note 1)
      $ 463,535
      361,095Participants
      973,230
      965,9531,436,765
      1,327,048Investment Income:Interest and dividends earned on investments
      457,611
      361,879Realized and unrealized gains (losses), net
      490,673
      (601,774)948,284
      (239,895)Total additions
      2,385,049
      1,087,153Deductions from net assets attributed to:Benefits paid to participants
      643,271
      1,347,903Loan fees (note 1)
      1,960
      1,550Total deductions
      645,231
      1,349,453Increase (decrease) in net assets available for benefits
      1,739,818
      (262,300)Net assets available for benefits:Beginning of year
      16,521,155
      16,783,455End of year
      $ 18,260,973
      16,521,155See 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 (the Bank or
    Plan Sponsor). Employees become eligible for participation in the Plan upon
    6 months of employment. Participants must complete 501 hours of service 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).

In January 1999, the Bank amended and restated the Plan
    by adopting a nonstandardized Code 401(k) profit sharing plan which named
    PFF Bank and Trust, Trust and Investment Services Division as trustee.

(b) Contributions

No contribution is required by the Bank; however, at the
    discretion of its board of directors, 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. 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 and
    thereafter, to avoid violating IRS regulations, the maximum annual
    contribution is 8%, 7%, and 5% for "nonhighly compensated"
    employees, "highly compensated" employees, and
    "executives," respectively. For 2001 and 2000, 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. For "highly compensated"
    participants and "executives," the Bank chose to match 50% of the
    participants contributions up to 7% for 2001 and 2000. Forfeitures of
    matching contributions are used to reduce the Bank's matching
    contributions. For the years ended December 31, 2001 and 2000
    participant forfeitures totaled $23,971 and $85,302, respectively. No profit
    sharing contribution was made for either 2001 or 2000.

(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 account.

(d) Participants 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
    prime plus 1%. Participants pay a $50 origination fee for each loan advanced
    to them.

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(e) Vesting

Participation in the Plan is voluntary. Employee
    contributions and the earnings as a result of each participant's
    contributions are 100% vested and nonforfeitable. The Bank's contributions
    vest to participants in accordance with a specified schedule with 100%
    vesting occurring after 5 years of service, on the participant's attaining
    age 65, or on the participant's death or total and permanent disablement.

(f) Payment of Benefits

On termination of service, a participant may elect to
    receive either a lump-sum amount equal to the vested balance of his or her
    account or annual (or more frequent) installments over a period not to
    exceed the life expectancy of the participant.

(2) Summary of Significant Accounting Policies

(a) Basis of Presentation

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

(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 Trust
  and Investment Services (PFF Trust). Assets are managed under the direction of
  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

Certain estimates and assumptions have been made relating
  to the reporting of Plan assets and liabilities to prepare the financial
  statements in conformity with generally accepted accounting principles. Actual
  results could differ from those estimates.

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(e) Administrative Expenses

All administrative expenses of the Plan were paid directly
  by the Bank in 2001 and 2000 except for participant loans origination fees.

(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.



2001Identity of party and description of asset
      
      Cost
      
      Fair valuePFF Bancorp, Inc. Stock
      $
      1,433,554
      
      5,073,460Berger Small Company Growth
      
      1,299,483
      
      939,491Capital Preservation Fund
      
      4,473,174
      
      4,473,175Federated Stock Trust Fund
      
      1,624,977
      
      1,475,362Federated Max-Cap Fund
      
      2,469,132
      
      2,195,212Janus Worldwide Fund
      
      1,103,596
      
      861,746Janus Balanced Fund
      
      1,454,233
      
      1,369,368Others individually less
        than 5% of net assets
      
      1,461,706
      
      1,409,624Total
      $
      15,319,855
      
      17,797,438






2000Identity of party and description of asset
      
      Cost
      
      Fair valuePFF Bancorp, Inc. Stock
      $
      1,458,287
      
      4,706,436Berger Small Company Growth
      
      1,196,552
      
      924,628Capital Preservation Fund
      
      2,990,143
      
      2,990,143Federated Stock Trust Fund
      
      1,539,946
      
      1,364,934Federated Max-Cap Fund
      
      2,474,009
      
      2,502,490Janus Worldwide Fund
      
      1,074,689
      
      1,056,589Janus Balanced Fund
      
      1,427,746
      
      1,439,063Others individually less
        than 5% of net assets
      
      667,977
      
      1,175,777Total
      $
      12,829,349
      
      16,160,060


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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. Under the daily valuation record-keeping system, 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.

(5) Federal Income Taxes

The Internal Revenue Service has determined and informed
    the Bank by a letter dated July 24, 1995 that the Plan is designed in
    accordance with applicable sections of the Internal Revenue Code (IRC). The
    Plan has been amended since then. The Bank and the Plan's tax counsel
    believe that the Plan as amended is designed and is currently being operated
    in compliance with the applicable requirements of the IRC.

(6) Related Party Transactions

The Plan had zero on deposit at December 31, 2001
    and 2000, respectively, in certificates of deposit at the Bank, the
    employer. The Plan held 183,821 and 225,458 shares of common stock of PFF
    Bancorp, Inc. at December 31, 2001 and 2000, 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, 2001Description of investmentincluding maturity date, rate ofIdentity of issue, borrower,
      
      interest, collateral, par, or
      
      
      
      Currentlessor or similar party
      
      maturity value
      
      Cost
      
      value*PFF Bancorp, Inc.
    
    Common Stock 183,821 shares
    $
    1,433,554
    
    5,073,460Federated Capital PreservationFund
      
      
      
      
    
    Mutual Fund 447,318 units
    4,473,174
    
    4,473,175Federated Intermediate IncomeBond Fund
    
    Mutual Fund 24,760 units
    248,193
    
    246,111Federated Money Market Trust
    Mutual Fund 107 units
    107
    
    107Federated Managed GrowthFund
    
    Mutual Fund 9,047 units
    109,268
    
    98,702Federated Stock Trust Fund
    
    Mutual Fund 43,470 units
    1,624,977
    
    1,475,362Federated Max-Cap Fund
    
    Mutual Fund 94,449 units
    2,469,132
    
    2,195,212Berger Small Company Growth
    Mutual Fund 296,370 units
    1,299,483
    
    939,491Federated Managed AggressiveGrowth Fund
    
    Mutual Fund 11,145 units
    151,960
    
    127,944Federated Growth StrategiesFund
    
    Mutual Fund 1,344 units
    35,092
    
    34,386Janus Worldwide Fund
    
    Mutual Fund 19,657 units
    1,103,596
    
    861,746Janus Balanced Fund
    
    Mutual Fund 69,759 units
    1,454,233
    
    1,369,368Federated Managed IncomeFund
    
    Mutual Fund 17,072 units
    178,387
    
    173,795Federated Managed Growthand Income Fund
    
    Mutual Fund 11,233 units
    124,246
    
    114,126Federated Prime ObligationFund
    
    Money Market 38,050 units
    38,050
    
    38,050Participants loans
    
    81 loans with interest rates rangingfrom 5.75% to 10.50%
    576,403
    
    573,403Total
      $
      15,319,855
      
      17,797,438* Denotes a party in interest.See accompanying independent auditors' report.


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REQUIRED INFORMATION

1. Financial Statements.
2. Exhibits:

> Consent of Independent Auditors.

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 & TrustDated: June 21, 2002
      By:
      /s/ Gregory C. TalbottGregory C. Talbott
        Executive Vice President, Chief Financial
        Officer and Treasurer


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