**Exhibit 31.2**

**CERTIFICATION OF  CFO**  STATEMENT FURNISHED PURSUANT TO SECTION 906 OF THE  SARBANES-OXLEY ACT OF 2002, 18 U.S.C. SECTION 1350
| The undersigned, Gregory C.        Talbott is the Executive Vice President, Chief Financial Officer and        Treasurer of PFF Bancorp, Inc. (the "Company").

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| This statement is being        furnished in connection with the filing by the Company of the Company's        Annual Report on Form 10‐K for the year ended March 31, 2004 (the        "Report").

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| By execution of this statement,        I certify that:

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|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | A) | the Report fully complies with        the requirements of Section 13(a) or 15(d) of the Securities Exchange        Act of 1934 (15 U.S.C. 78m(a) or 78o(d)) and

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|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | B) | the information contained in        the Report fairly presents, in all material respects, the financial        condition and results of operations of the Company as of the dates and        for the periods covered by the Report.

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| This statement is authorized to        be attached as an exhibit to the Report so that this statement will        accompany the Report at such time as the Report is filed with the        Securities and Exchange Commission, pursuant to Section 906 of the        Sarbanes‐Oxley Act of 2002, 18 U.S.C. Section 1350.  It is        not intended that this statement be deemed to be filed for purposes of        the Securities Exchange Act of 1934, as amended.

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| A signed original of this        written statement required by Section 906 has been provided to the        Company and will be retained by the Company and furnished to the        Securities and Exchange Commission or its staff upon request.

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| June        10, 2004                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |  | /s/ Gregory C. Talbott |
| Dated                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |  | Gregory C. Talbott |