EXHIBIT
			31.1 CERTIFICATION  I, Kevin
					McCarthy, certify that:1.
					
					I have
					reviewed this quarterly report on Form 10-Q of PFF Bancorp,
					Inc.;2.
					
					Based on
					my knowledge, this quarterly 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;3.
					
					Based on
					my knowledge, the financial statements, and other financial
					information included in this 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;4.
					
					The
					registrant's other certifying officer and I are responsible
					for establishing and maintaining disclosure controls and
					procedures (as defined in Exchange Act Rules 13a-15(e) and
					15d-15(e)) and internal control over financial reporting (as
					defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for
					the registrant and we have:(a)
					
					Designed
					such disclosure controls and procedures, or caused 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 quarterly
					report is being prepared;(b)
					
					Designed
					such internal control over financial reporting, or caused
					such internal control over financial reporting to be
					designed under our supervision, to provide reasonableness
					assurance regarding the reliability of financial reporting
					and the preparation of financial statements for external
					purposes in accordance with generally accepted accounting
					principles;(c)
					
					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(d)
					
					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; and   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): (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.Date:
					August 9, 2006
					
					/s/
					Kevin McCarthyKevin
					McCarthyPresident, Chief Executive Officer and
					Director   EXHIBIT
			31.2 CERTIFICATION  I,
					Gregory C. Talbott, certify that:1.
					
					I have
					reviewed this quarterly report on Form 10-Q of PFF Bancorp,
					Inc.;2.
					
					Based on
					my knowledge, this quarterly 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;3.
					
					Based on
					my knowledge, the financial statements, and other financial
					information included in this 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;4.
					
					The
					registrant's other certifying officer and I are responsible
					for establishing and maintaining disclosure controls and
					procedures (as defined in Exchange Act Rules 13a-15(e) and
					15d-15(e)) and internal control over financial reporting (as
					defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for
					the registrant and we have:(a)
					
					Designed
					such disclosure controls and procedures, or caused 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 quarterly
					report is being prepared;(b)
					
					Designed
					such internal control over financial reporting, or caused
					such internal control over financial reporting to be
					designed under our supervision, to provide reasonableness
					assurance regarding the reliability of financial reporting
					and the preparation of financial statements for external
					purposes in accordance with generally accepted accounting
					principles;(c)
					
					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(d)
					
					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; and   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):(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.Date:
					August 9, 2006
					
					/s/
					Gregory C. TalbottGregory
					C. TalbottSenior
					Executive Vice President,
					Chief
					Operating Officer/Chief Financial
					Officer
					and Treasurer