Document:

Exhibit 10

  Exhibit 10.16

  PFF Bancorp, Inc.

  2004 Equity
  Incentive Plan

  Amended and
  Restated Performance-Based Stock Award Notice

   

                                                                                                                                                                                                                 

  Name of Award Recipient                                                                              
  Social Security Number   

   

                                                                                                                                                                                                                 

                                                                   
  Street Address

   

                                 
                                                                                                                                  

  City                                                
  State                                                                             
  ZIP Code

  This Performance-Based Award Notice is intended to set forth the terms and
  conditions on which an Award has been granted under the PFF Bancorp, Inc. 2004
  Equity Incentive Plan.  Set forth below are the specific terms and
  conditions applicable to this Award.  Attached as Exhibit A are
  its general terms and conditions.

  
    	
          Performance-Based Stock Award

        
	
          Grant Date

        	
          May 24, 2005

        
	
          Class of Shares

        	
          Common

        
	
          Performance Measurement Period

        	
          April 1, 2004 through March 31, 2007

        
	
          Payout Target for Median Performance*

        	 
	
          Payout Target for 75th Percentile Performance*

        	 
	
          Payout Target for 100th Percentile Performance*

        	 
	
          Holding Requirement Amount+

        	
           

        
	
          Performance Criteria

        	
          Return on Average Equity

        
	
          Change in Net Interest Margin

        
	
          Diluted EPS Growth Percentage

        
	
          Efficiency Ratio

        
	
          Increase in Number of Deposit Households

          (compound annual rate)

        
	
          Growth in Four-Cs (compound annul rate)

        

  

  * Reported in
  shares of PFF Bancorp, Inc. common stock.

  + Reported in
  shares of PFF Bancorp, Inc. common stock over which you have full
  discretionary investment authority. Unexercised options shall not be
  considered for purposes of satisfying the ownership and holding requirement
  described herein.

  By signing where indicated below,
  PFF Bancorp, Inc. (the "Company") grants this Award upon the
  specified terms and conditions, and the Award Recipient acknowledges receipt
  of this Performance-Based Stock Award Notice, including Exhibit A, and
  agrees to observe and be bound by the terms and conditions set forth herein
  and acknowledges receipt of a Prospectus dated October 29, 2004 for the PFF
  Bancorp, Inc. 2004 Equity Incentive Plan.

  PFF Bancorp, Inc.                                                  
             Award
  Recipient

  By                                                                   
                                                                                

        
  Name:
                                             
                                          

        
  Title: 

                                                                                                                                                             

  Instructions: 
  This page should be completed by or on behalf of the Employee Compensation and
  Benefits Committee.  Any blank space intentionally left blank should be
  crossed out.  An Award consists of shares granted with uniform terms and
  conditions.  Where shares granted under an Award are awarded on the same
  date with varying terms and conditions (for example, varying performance
  criteria), the awards should be recorded as a series of grants each with its
  own uniform terms and conditions.

  

  Exhibit A

   

  PFF Bancorp, Inc.

  2004 Equity
  Incentive Plan

  Amended And
  Restated Performance-Based Stock Award Notice

  General Terms and Conditions

          Section 1.  Size
  of Award.  The maximum shares of Common Stock of PFF Bancorp,
  Inc. ("Shares") covered by this Award ("Awarded Shares")
  are set forth beside the Payout Target for the 100th Percentile
  Performance.  Any payment of Awarded Shares will be performed as soon as
  practicable following the end of the applicable Performance Measurement
  Period.

          Section 2.  Performance
  Criteria.  All Performance Criteria listed in your
  Performance-Based Stock Award Notice ("Notice") shall be given equal
  weight in the determination of the final payout of Awarded Shares; provided
  however, that all rights hereunder shall be forfeited if Diluted EPS Growth
  Percentage is not at or above median level relative to peer group as
  determined by the Employee Compensation and Benefits Committee of PFF Bancorp,
  Inc. ("Committee").  In order for any payment to be made
  hereunder of Awarded Shares at least three of the six Performance Criteria
  listed in the Notice must be at or above median levels as determined by the
  Committee. 

          (a) Determination of
  Satisfaction of Performance Criteria.  The Committee has
  established by resolution a finite peer group of institutions against which
  median, 75th percentile and 100th percentile performance
  will be determined and has established target levels of performance for those
  Performance Criteria not subject to peer group measurement (i.e., increase in
  number of deposit households and growth in Four-Cs).  Specific levels of
  performance will be distributed to you following the end of the Performance
  Measurement Period in connection with your Awarded Shares.

          (b)  Entitlement to
  Awarded Shares.  If Diluted EPS Growth Percentage and at least
  two other of the six Performance Criteria are satisfied at the end of the
  Performance Measurement Period, you will be entitled to some portion of your
  Awarded Shares provided that you have not terminated Service prior to the end
  of the Performance Measurement Period.  If you have terminated Service
  prior to the end of the Performance Measurement Period for reasons other than
  death or Disability, you will forfeit all Awarded Shares.  If you
  terminate Service due to death or disability or if there is a Change in
  Control of the Company, a pro-rata distribution of the Performance-Based Award
  earned as of the date of the Change in Control, death or Disability shall vest
  and be payable to each award recipient who is in active Service on the date of
  the Change in Control or has terminated due to death or Disability with the
  performance criteria being measured as of the last completed calendar quarter
  prior to the triggering event.  You may designate a Beneficiary to
  receive any Awarded Shares that are paid upon your death using the Beneficiary
  Designation attached as Appendix A.

          (c)  Computation of
  Awarded Shares.   Your Awarded Shares are computed using all
  six Performance Criteria with a 16.666% weighting for each Performance
  Criteria.  Straight-line Interpolation will be used for targets that are
  between the threshold levels.

          (d)  Illustration of
  Awarded Share Computation.  Assume that your Payout Targets are
  2,000 Shares for Median, 3,000 Shares for 75th Percentile and
  10,000 Shares for 100th Percentile.  Assume that for the
  Performance Measurement Period, the Company ranks in the 60th
  percentile on Diluted EPS Growth Percentage, 75th percentile for
  Return on Average Equity, 90th percentile for Total Return and is
  below the median on the other three Performance Criteria.  You are in the
  service of the Company at the end of the Performance Measurement Period. 
  Using straight-line interpolation, the payout would be as follows:

  	Diluted EPS Growth Percentage at the 60th percentile is 40%
      of the way between Median and 75th percentile.  This would
      equate to 2,400 Shares calculated as (2,000 + [(3,000-2,000) x 40%]) =
      2,400 Shares.  Since this Performance Criteria is weighted at 16.666%
      this would result in 400 Shares.
	Return on Average Equity at the 75th percentile equates to
      3,000 Shares which when adjusted by the weighting of 16.666% is 500
      Shares.
	Change in Net Interest Margin at 90th percentile is 60% of
      the way between the 75th and 100th percentile. 
      This equates to 7,200 Shares calculated as (3,000 + [(10,000-3,000) x
      60%]) = 7,200 Shares.  This 7,200 Shares equates to 1,200 
      Shares when adjusted for the 16.666% weighting. 
	The other three Performance Criteria are below median so they result in
      zero Shares.
	This would result in a total award of 2,100 Shares (400 + 500 +
      1,200).  At the end of the Performance Measurement Period, this would
      result in 2,100 Shares of Awarded Share distributed to you.

          (e)  Definition of
  Service.  For purposes of determining your Awarded Shares, you
  will be deemed to be in the service of the Company for so long as you serve in
  any capacity as an employee, officer, non-employee director of the Company or
  PFF Bank & Trust or affiliate of either.

          Section 3.  Dividends
  and Voting Rights.  You will not be entitled to any dividend
  or voting rights with respect to your Awarded Shares until these share have
  been distributed to you at the end of the Performance Measurement Period.

          Section 4.  Holding
  Requirements.  Awarded Shares otherwise due to
  be distributed to you under the terms of the 2004 Equity Incentive Plan
  ("Plan") will be forfeited if (i) you hold less than the Holding
  Requirement Amount in Shares as of the end of the Performance Measurement
  Period in accounts over which you maintain full discretionary investment
  authority and (ii) you have effected a net reduction in Shares which you own
  from the time of the award of this Performance-Based Stock Award to March 31,
  2007 other than for reasons of satisfying the payment of required taxes
  resulting from the vesting or exercise of a previous Company stock award or
  Company stock option (not to exceed 45% of the taxable income related to the
  vesting or exercise of such award or option).  Awarded Shares will be
  forfeited to the extent that such Shares are ineligible for deduction under
  Section 162(m) of the Internal Revenue Code of 1986, as amended.

          Section 5.  Amendment. 
  This Notice may be amended, in whole or in part and in any manner not
  inconsistent with the provisions of the Plan, at any time and from time to
  time, by written agreement between you and the Company.

          Section 6.  Plan
  Provisions Control.  This Notice, and the rights and
  obligations created hereunder, shall be subject to all of the terms and
  conditions of the Plan.  Capitalized terms shall have the meanings
  assigned in the Plan or this Notice. In the event of any conflict between the
  provisions of the Plan and the provisions of this Notice, the terms of the
  Plan, which are incorporated herein by reference, shall control.  By
  signing this Notice, you acknowledge receipt of a copy of the Plan and a copy
  of the Prospectus for the Plan dated October 29, 2004 and agree to be bound by
  all terms and conditions in these materials and in this Notice.

  Appendix A to
  Performance-Based Stock Award Notice

  PFF Bancorp, Inc.

  2004 Equity
  Incentive Plan

   

  Beneficiary
  Designation Form

  GENERAL

  INFORMATION    Use
  this form to designate the Beneficiary(ies) who will receive Shares available
  for distribution  at the time of your death.

   

  Name of

  Award Recipient
  _____________________________________  Social Security Number
  _______-_____-__________

   

  BENEFICIARY     
  Complete sections A and B. If no percentage
  shares are specified, each Beneficiary in the same class (primary or 

  DESIGNATION   
  cotingent) shall have an equal share. 
  If any designated Beneficiary predeceases you, the shares of each
  remaining  

                                 
  Beneficiary in the same class (primary or contingent) shall be increased
  proportionately.

  A.  PRIMARY BENEFICIARY(IES).  I hereby
  designate the following person as my primary Beneficiary under the Plan,
  reserving the right to change or revoke this designation at any time prior to
  my death:

  	
        Name

      	
        Address

      	
        Relationship

      	
        Birthdate

      	
        Share

	
                                                                            

      	
                                                                                

                                                                                

      	
                              

      	
                                 

      	
                     
        %

      
	
                                                                            

      	
                                                                                

                                                                                

      	
                              

      	
                                 

      	
                     
        %

      
	
                                                                            

      	
                                                                                

                                                                                

      	
                              

      	
                                 

      	
                     
        %

      
					
        Total=100%

      

  B.  CONTINGENT BENEFICIARY(IES).  I hereby
  designate the following person(s) as my contingent Beneficiary(ies) under the
  Plan to receive benefits only if all of my primary Beneficiaries should
  predecease me, reserving the right to change or revoke this designation at any
  time prior to my death with respect to all outstanding Awarded Shares:

  	
        Name

      	
        Address

      	
        Relationship

      	
        Birthdate

      	
        Share

      
	
                                                                             

      	
                                                                                 

                                                                                 

      	
                               

      	
                                  

      	
                     
        %

      
	
                                                                             

      	
                                                                                 

                                                                                 

      	
                               

      	
                                  

      	
                     
        %

      
	
                                                                             

      	
                                                                                 

                                                                                 

      	
                              

      	
                                 

      	
                     
        %

      
					
        Total=100%

      
	
          
        S     H

           
        I     E

           G    R

          
        N     E

      	
        I understand that this Beneficiary Designation shall
        be effective only if properly completed and received by the Employee
        Compensation and Benefits Committee of PFF Bancorp, Inc. prior to my
        death, and that it is subject to all of the terms and conditions of the
        Plan.  I also understand that an effective Beneficiary designation
        revokes my prior designation(s) with respect to all outstanding Awarded
        Shares.

         

                                                                                    
                                                     

                               
        Your
        Signature                                                   
        Date

      

   

  
                                                                         
  Internal Use Only                                                             

	
      This Beneficiary Designation was received by the
      Employee Compensation and Benefits Committee of PFF Bancorp, Inc. on the
      date indicated.

       

      By                                                                                            
       
                                    

                     
      Authorized
      Signature                                                  
      Date

    	
      CommentsExhibit 10

  Exhibit 10.17

  PFF Bancorp, Inc.

  2004 Equity
  Incentive Plan

  Amended and
  Restated Performance-Based Stock Award Notice

   

                                                                                                                                                                                                                 

  Name of Award Recipient                                                                              
  Social Security Number   

   

                                                                                                                                                                                                                 

                                                                   
  Street Address

   

                                 
                                                                                                                                  

  City                                                
  State                                                                             
  ZIP Code

  This Performance-Based Award Notice is intended to set forth the terms and
  conditions on which an Award has been granted under the PFF Bancorp, Inc. 2004
  Equity Incentive Plan.  Set forth below are the specific terms and
  conditions applicable to this Award.  Attached as Exhibit A are
  its general terms and conditions.

  
    	
          Performance-Based Stock Award

        
	
          Grant Date

        	
          May 24, 2005

        
	
          Class of Shares

        	
          Common

        
	
          Performance Measurement Period

        	
          April 1, 2005 through March 31, 2008

        
	
          Payout Target for Median Performance*

        	 
	
          Payout Target for 75th Percentile Performance*

        	 
	
          Payout Target for 100th Percentile Performance*

        	 
	
          Holding Requirement Amount+

        	
           

        
	
          Performance Criteria

        	
          Return on Average Equity

        
	
          Change in Net Interest Margin

        
	
          Diluted EPS Growth Percentage

        
	
          Efficiency Ratio

        
	
          Increase in Number of Deposit Households

          (compound annual rate)

        
	
          Growth in Four-Cs (compound annul rate)

        

  

  * Reported in
  shares of PFF Bancorp, Inc. common stock.

  + Reported in
  shares of PFF Bancorp, Inc. common stock over which you have full
  discretionary investment authority. Unexercised options shall not be
  considered for purposes of satisfying the ownership and holding requirement
  described herein.

  By signing where indicated below,
  PFF Bancorp, Inc. (the "Company") grants this Award upon the
  specified terms and conditions, and the Award Recipient acknowledges receipt
  of this Performance-Based Stock Award Notice, including Exhibit A, and
  agrees to observe and be bound by the terms and conditions set forth herein
  and acknowledges receipt of a Prospectus dated October 29, 2004 for the PFF
  Bancorp, Inc. 2004 Equity Incentive Plan.

  PFF Bancorp, Inc.                                                  
             Award
  Recipient

  By                                                                   
                                                                                

        
  Name:
                                             
                                          

        
  Title: 

                                                                                                                                                             

  Instructions: 
  This page should be completed by or on behalf of the Employee Compensation and
  Benefits Committee.  Any blank space intentionally left blank should be
  crossed out.  An Award consists of shares granted with uniform terms and
  conditions.  Where shares granted under an Award are awarded on the same
  date with varying terms and conditions (for example, varying performance
  criteria), the awards should be recorded as a series of grants each with its
  own uniform terms and conditions.

  

  Exhibit A

   

  PFF Bancorp, Inc.

  2004 Equity
  Incentive Plan

  Amended And
  Restated Performance-Based Stock Award Notice

  General Terms and Conditions

          Section 1.  Size
  of Award.  The maximum shares of Common Stock of PFF Bancorp,
  Inc. ("Shares") covered by this Award ("Awarded Shares")
  are set forth beside the Payout Target for the 100th Percentile
  Performance.  Any payment of Awarded Shares will be performed as soon as
  practicable following the end of the applicable Performance Measurement
  Period.

          Section 2.  Performance
  Criteria.  All Performance Criteria listed in your
  Performance-Based Stock Award Notice ("Notice") shall be given equal
  weight in the determination of the final payout of Awarded Shares; provided
  however, that all rights hereunder shall be forfeited if Diluted EPS Growth
  Percentage is not at or above median level relative to peer group as
  determined by the Employee Compensation and Benefits Committee of PFF Bancorp,
  Inc. ("Committee").  In order for any payment to be made
  hereunder of Awarded Shares at least three of the six Performance Criteria
  listed in the Notice must be at or above median levels as determined by the
  Committee. 

          (a) Determination of
  Satisfaction of Performance Criteria.  The Committee has
  established by resolution a finite peer group of institutions against which
  median, 75th percentile and 100th percentile performance
  will be determined and has established target levels of performance for those
  Performance Criteria not subject to peer group measurement (i.e., increase in
  number of deposit households and growth in Four-Cs).  Specific levels of
  performance will be distributed to you following the end of the Performance
  Measurement Period in connection with your Awarded Shares.

          (b)  Entitlement to
  Awarded Shares.  If Diluted EPS Growth Percentage and at least
  two other of the six Performance Criteria are satisfied at the end of the
  Performance Measurement Period, you will be entitled to some portion of your
  Awarded Shares provided that you have not terminated Service prior to the end
  of the Performance Measurement Period.  If you have terminated Service
  prior to the end of the Performance Measurement Period for reasons other than
  death or Disability, you will forfeit all Awarded Shares.  If you
  terminate Service due to death or disability or if there is a Change in
  Control of the Company, a pro-rata distribution of the Performance-Based Award
  earned as of the date of the Change in Control, death or Disability shall vest
  and be payable to each award recipient who is in active Service on the date of
  the Change in Control or has terminated due to death or Disability with the
  performance criteria being measured as of the last completed calendar quarter
  prior to the triggering event.  You may designate a Beneficiary to
  receive any Awarded Shares that are paid upon your death using the Beneficiary
  Designation attached as Appendix A.

          (c)  Computation of
  Awarded Shares.   Your Awarded Shares are computed using all
  six Performance Criteria with a 16.666% weighting for each Performance
  Criteria.  Straight-line Interpolation will be used for targets that are
  between the threshold levels.

          (d)  Illustration of
  Awarded Share Computation.  Assume that your Payout Targets are
  2,000 Shares for Median, 3,000 Shares for 75th Percentile and
  10,000 Shares for 100th Percentile.  Assume that for the
  Performance Measurement Period, the Company ranks in the 60th
  percentile on Diluted EPS Growth Percentage, 75th percentile for
  Return on Average Equity, 90th percentile for Total Return and is
  below the median on the other three Performance Criteria.  You are in the
  service of the Company at the end of the Performance Measurement Period. 
  Using straight-line interpolation, the payout would be as follows:

  	Diluted EPS Growth Percentage at the 60th percentile is 40%
      of the way between Median and 75th percentile.  This would
      equate to 2,400 Shares calculated as (2,000 + [(3,000-2,000) x 40%]) =
      2,400 Shares.  Since this Performance Criteria is weighted at 16.666%
      this would result in 400 Shares.
	Return on Average Equity at the 75th percentile equates to
      3,000 Shares which when adjusted by the weighting of 16.666% is 500
      Shares.
	Change in Net Interest Margin at 90th percentile is 60% of
      the way between the 75th and 100th percentile. 
      This equates to 7,200 Shares calculated as (3,000 + [(10,000-3,000) x
      60%]) = 7,200 Shares.  This 7,200 Shares equates to 1,200 
      Shares when adjusted for the 16.666% weighting. 
	The other three Performance Criteria are below median so they result in
      zero Shares.
	This would result in a total award of 2,100 Shares (400 + 500 +
      1,200).  At the end of the Performance Measurement Period, this would
      result in 2,100 Shares of Awarded Share distributed to you.

          (e)  Definition of
  Service.  For purposes of determining your Awarded Shares, you
  will be deemed to be in the service of the Company for so long as you serve in
  any capacity as an employee, officer, non-employee director of the Company or
  PFF Bank & Trust or affiliate of either.

          Section 3.  Dividends
  and Voting Rights.  You will not be entitled to any dividend
  or voting rights with respect to your Awarded Shares until these share have
  been distributed to you at the end of the Performance Measurement Period.

          Section 4.  Holding
  Requirements.  Awarded Shares otherwise due to
  be distributed to you under the terms of the 2004 Equity Incentive Plan
  ("Plan") will be forfeited if (i) you hold less than the Holding
  Requirement Amount in Shares as of the end of the Performance Measurement
  Period in accounts over which you maintain full discretionary investment
  authority and (ii) you have effected a net reduction in Shares which you own
  from the time of the award of this Performance-Based Stock Award to March 31,
  2008 other than for reasons of satisfying the payment of required taxes
  resulting from the vesting or exercise of a previous Company stock award or
  Company stock option (not to exceed 45% of the taxable income related to the
  vesting or exercise of such award or option). 

          Section 5.  Amendment. 
  This Notice may be amended, in whole or in part and in any manner not
  inconsistent with the provisions of the Plan, at any time and from time to
  time, by written agreement between you and the Company.

          Section 6.  Plan
  Provisions Control.  This Notice, and the rights and
  obligations created hereunder, shall be subject to all of the terms and
  conditions of the Plan.  Capitalized terms shall have the meanings
  assigned in the Plan or this Notice. In the event of any conflict between the
  provisions of the Plan and the provisions of this Notice, the terms of the
  Plan, which are incorporated herein by reference, shall control.  By
  signing this Notice, you acknowledge receipt of a copy of the Plan and a copy
  of the Prospectus for the Plan dated October 29, 2004 and agree to be bound by
  all terms and conditions in these materials and in this Notice.

  Appendix A to
  Performance-Based Stock Award Notice

  PFF Bancorp, Inc.

  2004 Equity
  Incentive Plan

   

  Beneficiary
  Designation Form

  GENERAL

  INFORMATION    Use
  this form to designate the Beneficiary(ies) who will receive Shares available
  for distribution  at the time of your death.

   

  Name of

  Award Recipient
  _____________________________________  Social Security Number
  _______-_____-__________

   

  BENEFICIARY     
  Complete sections A and B. If no percentage
  shares are specified, each Beneficiary in the same class (primary or 

  DESIGNATION   
  cotingent) shall have an equal share. 
  If any designated Beneficiary predeceases you, the shares of each
  remaining  

                                 
  Beneficiary in the same class (primary or contingent) shall be increased
  proportionately.

  A.  PRIMARY BENEFICIARY(IES).  I hereby
  designate the following person as my primary Beneficiary under the Plan,
  reserving the right to change or revoke this designation at any time prior to
  my death:

  	
        Name

      	
        Address

      	
        Relationship

      	
        Birthdate

      	
        Share

	
                                                                            

      	
                                                                                

                                                                                

      	
                              

      	
                                 

      	
                     
        %

      
	
                                                                            

      	
                                                                                

                                                                                

      	
                              

      	
                                 

      	
                     
        %

      
	
                                                                            

      	
                                                                                

                                                                                

      	
                              

      	
                                 

      	
                     
        %

      
					
        Total=100%

      

  B.  CONTINGENT BENEFICIARY(IES).  I hereby
  designate the following person(s) as my contingent Beneficiary(ies) under the
  Plan to receive benefits only if all of my primary Beneficiaries should
  predecease me, reserving the right to change or revoke this designation at any
  time prior to my death with respect to all outstanding Awarded Shares:

  	
        Name

      	
        Address

      	
        Relationship

      	
        Birthdate

      	
        Share

      
	
                                                                             

      	
                                                                                 

                                                                                 

      	
                               

      	
                                  

      	
                     
        %

      
	
                                                                             

      	
                                                                                 

                                                                                 

      	
                               

      	
                                  

      	
                     
        %

      
	
                                                                             

      	
                                                                                 

                                                                                 

      	
                              

      	
                                 

      	
                     
        %

      
					
        Total=100%

      
	
          
        S     H

           
        I     E

           G    R

          
        N     E

      	
        I understand that this Beneficiary Designation shall
        be effective only if properly completed and received by the Employee
        Compensation and Benefits Committee of PFF Bancorp, Inc. prior to my
        death, and that it is subject to all of the terms and conditions of the
        Plan.  I also understand that an effective Beneficiary designation
        revokes my prior designation(s) with respect to all outstanding Awarded
        Shares.

         

                                                                                    
                                                     

                               
        Your
        Signature                                                   
        Date

      

   

  
                                                                         
  Internal Use Only                                                             

	
      This Beneficiary Designation was received by the
      Employee Compensation and Benefits Committee of PFF Bancorp, Inc. on the
      date indicated.

       

      By                                                                                            
       
                                    

                     
      Authorized
      Signature                                                  
      Date

    	
      Comments

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