# EXHIBIT 31.1

**CERTIFICATION**
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                                                                              | I, Kevin McCarthy, certify that: |
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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           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| 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			quarterly 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 quarterly			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 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			reasonable 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: November 9, 2006   			/s/ Kevin McCarthy  Kevin McCarthy President, 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			quarterly 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 quarterly			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 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			reasonable 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: November 9, 2006 			/s/ Gregory C. Talbott     Gregory C. Talbott  
Senior			Executive Vice President,

Chief			Operating Officer/Chief Financial Officer and Treasurer |