**EXHIBIT 32.2**

**CERTIFICATION**
|                           | I, Gregory C. Talbott, certify        that:

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| 1.                        | I have reviewed this annual        report on Form 10-K of PFF Bancorp, Inc.;

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| 2.                        | Based on my knowledge, this        report does not contain any untrue statement of a material fact or omit        to state a material fact necessary to make the statements made, in light        of the circumstances under which such statements were made, not        misleading with respect to the period covered by this report;

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| 3.                        | Based on my knowledge, the        financial statements, and other financial information included in this        annual report, fairly present in all material respects the financial        condition, results of operations and cash flows of the registrant as of,        and for, the periods presented in this report;

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| 4.                        | The registrant's other        certifying officer and I are responsible for establishing and        maintaining disclosure controls and procedures (as defined in the        Exchange Act Rules 13a-15(e) and 15d-15(e) for the registrant and have:

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|                           |                                                                                                                                                                                                                                                                                                                                                | (a) | Designed such disclosure        controls and procedures, or cause such disclosure controls and        procedures to be designed under our supervision, to ensure that material        information relating to the registrant, including its consolidated        subsidiaries, is made known to us by others within those entities,        particularly during the period in which this report is being prepared; |
|                           |                                                                                                                                                                                                                                                                                                                                                | (b) | Evaluated the effectiveness of        the registrant's disclosure controls and procedures and presented in        this report our conclusions about the effectiveness of the disclosure        controls and procedures, as of the end of the period covered by this        report based on such evaluation; and |
|                           |                                                                                                                                                                                                                                                                                                                                                | (c) | Disclosed in this report any        change in the registrant's internal control over financial reporting        that occurred during the registrant's most recent fiscal quarter (the        registrant's fourth fiscal quarter in the case of an annual report) that        has materially affected or is reasonably likely to materially affect the        registrant's internal control over financial reporting,

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| 5.                        | The registrant's other        certifying officer and I have disclosed, based on our most recent        evaluation of internal control over financial reporting, to the        registrant's auditors and the audit committee of the registrant's board        of directors (or persons performing the equivalent functions):

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|                           |                                                                                                                                                                                                                                                                                                                                                | (a) | All significant deficiencies        and material weaknesses in the design or operation of internal control        over financial reporting which are reasonably likely to adversely affect        the registrant's ability to record, process, summarize and report        financial information; and |
|                           |                                                                                                                                                                                                                                                                                                                                                | (b) | Any fraud, whether or not        material, that involves management or other employees who have a        significant role in the registrant's internal control over financial        reporting.

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| Date:  June 10, 2004 | /s/        Gregory C. Talbott                                                                                                                                                                                                                                                                                                                  |
|                           |                                                                                                                                                                                                                                                                                                                                                | Gregory        C. Talbott |
|                           |                                                                                                                                                                                                                                                                                                                                                | Executive Vice        President, Chief Financial Officer and Treasurer |