**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 company as of, and for, the periods presented in this report;

4.     The company'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 company 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 company, 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 company'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 issuer's internal control    over financial reporting that occurred during the period covered by the    quarterly report that has materially affected, or is reasonably likely to    materially affect, the issuer's internal control over financial reporting;    and

5.     The company's other certifying officer and I  have disclosed, based on our most recent evaluation of internal control over  financial reporting, to the company's auditors and the audit committee of  the company'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 company'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 company's internal control    over financial reporting.

 

Date:    August 14, 2003                        /s/  Larry M.  Rinehart                                                                          Larry M. Rinehart                                                               President, Chief Executive Officer, and Director

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**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 company as of, and for, the periods presented in this report;

4.     The company'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 company 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 company, 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 company'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 issuer's internal control    over financial reporting that occurred during the period covered by the    quarterly report that has materially affected, or is reasonably likely to    materially affect, the issuer's internal control over financial reporting;    and

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5.     The company's other certifying officer and I  have disclosed, based on our most recent evaluation of internal control over  financial reporting, to the company's auditors and the audit committee of  the company'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 company'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 company's internal control    over financial reporting.

 

Date:    August 14, 2003                        /s/  Gregory C. Talbott                         

                                                             Gregory C. Talbott                                                               Executive Vice President, Chief Financial Officer,                                                               and Treasurer