# **EXHIBIT 31.1**

**CERTIFICATION**

 
|    | I, Larry M.        Rinehart, certify that:

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|----|----------------------------------------------------|
| 1. |                                                    | I have reviewed        this quarterly report on Form 10-Q of PFF Bancorp, Inc.;

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|    |                                                    |  |
| 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;

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|    |                                                    |  |
| 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;

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|    |                                                    |  |
| 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)) for the company and have:

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|    |                                                    |  |
|    | (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;

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|    |                                                    |  |  |
|    | (b)                                                |  | 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

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|    |                                                    |  |  |
|    | (c)                                                |  | 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):

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|                                | (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

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|--------------------------------|--------------------------------------|--|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                |                                      |  |                                                                                                                                                                                                                                                                                                            |
|                                | (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: November        12, 2003 | /s/ Larry M.        Rinehart

  |  |
|                                |                                      |  |                                                                                                                                                                                                                                                                                                            |
|                                |                                      |  |                                                                                                                                                                                                                                                                                                            | Larry M. Rinehart |
|                                |                                      |  |                                                                                                                                                                                                                                                                                                            | President, Chief        Executive Officer, and Director |

----

 

**CERTIFICATION**

 
|    | I, Gregory C.        Talbott, certify that:

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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 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)) 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)                                                 |  | 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

  |
|    |                                                     |  |  |
|    | (c)                                                 |  | 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: November        12, 2003 | /s/ Gregory C.        Talbott

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