# **EXHIBIT 31.1**

**CERTIFICATION**
|        | I, Larry M.        Rinehart, certify that: |
|--------|--------------------------------------------|
|        |                                       |
| 1.     |                                            | I have reviewed        this quarterly report on Form 10-Q of PFF Bancorp, Inc.; |
|   |                                            |  |
| 2.     |                                       | Based on my        knowledge, this 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)) for the registrant and 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)                                        |  | 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 |
|   |                                            |  |  |
|        | (c)                                        |  | Disclosed in this        report any change in the issuer'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 issuer'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, 2004 | /s/ Larry M. Rinehart      |
|------------------------|-----------------------------------------------------|
|                        |                                                     |
|                        | Larry M. Rinehart                                   |
|                        | President, Chief Executive Officer, and             |
|                        | Director                                            |

 

****

----

**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 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)) for the registrant and 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)                                         |  | 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 |
|   |                                             |  |  |
|        | (c)                                         |  | Disclosed in this        report any change in the issuer'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 issuer'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, 2004 | /s/ Gregory C. Talbott      |
|------------------------|------------------------------------------------------|
|                        |                                                      |
|                        | Gregory C. Talbott                                   |
|                        | Executive Vice President, Chief Financial            |
|                        | Officer, and Treasurer                               |