**Exhibit 32.1**

**CERTIFICATION OF  CEO**STATEMENT FURNISHED PURSUANT TO SECTION 906 OF THE  SARBANES-OXLEY ACT OF 2002, 18 U.S.C. SECTION 1350

             The undersigned, Larry M. Rinehart is the President, Chief Executive Officer  and Director of PFF Bancorp, Inc. (the "Company").

             This statement is being furnished in connection with the filing by the Company  of the Company's Quarterly Report on Form 10‐Q for the quarter ended  September 30, 2004 (the "Report").

             By execution of this statement, I certify that:

                 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

                 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.

                 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.

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

 
| November        9, 2004 |   | /s/        Larry M.        Rinehart                |
|-------------------------|--------|-------------------------------------------------------------------------------------------------------------------------------|
| Dated                   |        | Larry M. RinehartPresident,        Chief Executive Officer, and Director                                                      |

 

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**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").

                 This statement is being furnished in connection with the filing by the Company  of the Company's Quarterly Report on Form 10‐Q for the quarter ended  September 30, 2004 (the "Report").

                 By execution of this statement, I certify that:

                     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

                     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.

                     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.

                     A signed original of this written statement required by Section 906 has been  provided to PFF Bancorp, Inc. and will be retained by PFF Bancorp, Inc. and  furnished to the Securities and Exchange Commission or its staff upon request.
| November        9, 2004 |   | /s/        Gregory C. Talbott                |
|-------------------------|--------|-------------------------------------------------------------------------------------------------------------------------|
| Dated                   |        | Gregory C. TalbottExecutive        Vice President, Chief Financial Officer, and Treasurer                               |