**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 June 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.

 
| August 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 June 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.
| August 9, 2004 |  | /s/  Gregory C. Talbott                                                                            |  |
|----------------|--|---------------------------------------------------------------------------------------------------------|--|
| Dated          |  | Gregory C. Talbott        Executive Vice        President, Chief  Financial Officer, and Treasurer |