UNITED STATES

-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, OXRn38NzRxSNONKkD0MHXDsBuQrc9SjISHQOUDL5ZzGqiAWNPI4eGSHae0TNaKg7 bxb1S1G+nBRANtHI8EnSQA== 0001004969-03-000006.txt : 20030506 0001004969-03-000006.hdr.sgml : 20030506 20030506162249 ACCESSION NUMBER: 0001004969-03-000006 CONFORMED SUBMISSION TYPE: SC 13G PUBLIC DOCUMENT COUNT: 1 FILED AS OF DATE: 20030506 SUBJECT COMPANY: COMPANY DATA: COMPANY CONFORMED NAME: PFF BANCORP INC CENTRAL INDEX KEY: 0001004969 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 954561623 STATE OF INCORPORATION: DE FISCAL YEAR END: 0331 FILING VALUES: FORM TYPE: SC 13G SEC ACT: 1934 Act SEC FILE NUMBER: 005-49962 FILM NUMBER: 03684496 BUSINESS ADDRESS: STREET 1: 350 SOUTH GAREY AVENUE CITY: POMONA STATE: CA ZIP: 91766 BUSINESS PHONE: 9096232323 MAIL ADDRESS: STREET 1: 350 SOUTH GAREY AVENUE CITY: POMONA STATE: CA ZIP: 91766 FILED BY: COMPANY DATA: COMPANY CONFORMED NAME: PFF BANCORP INC CENTRAL INDEX KEY: 0001004969 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 954561623 STATE OF INCORPORATION: DE FISCAL YEAR END: 0331 FILING VALUES: FORM TYPE: SC 13G BUSINESS ADDRESS: STREET 1: 350 SOUTH GAREY AVENUE CITY: POMONA STATE: CA ZIP: 91766 BUSINESS PHONE: 9096232323 MAIL ADDRESS: STREET 1: 350 SOUTH GAREY AVENUE CITY: POMONA STATE: CA ZIP: 91766 SC 13G 1 dec2002form13g.htm PFF BANK AND TRUST ESOP UNITED STATES

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

Under the Securities Exchange Act of 1934
(Amendment No. ___)*

PFF Bancorp, Inc.
(Name of Issuer)

Common Stock par value $.01 per share
(Title of Class of Securities)

69331W-10-4
(CUSIP Number)

Check the following box if a fee is being paid with this statement. [__] (A fee is not required only if the filing person: (1) has a previous statement on file reporting beneficial ownership of more than five percent of the class of securities described in Item 1; and (2) has filed no amendment subsequent thereto reporting beneficial ownership of five percent or less of such class.) (See Rule 13d-7.)

*The remainder of this cover page shall be filled out for a reporting person's initial filing on this form with respect to the subject class of securities, and for any subsequent amendment containing information which would alter the disclosures provided in a prior cover page.

The information required in the remainder of this cover page shall not be deemed to be "filed" for the purpose of Section 18 of the Securities Exchange Act of 1934 ("Act") or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the Notes).

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CUSIP NO. 69331W-10-4			13G

1	NAME OF REPORTING PERSON S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON PFF BANK AND TRUST EMPLOYEE STOCK OWNERSHIP PLAN IRS ID. NO. 95-4561623
2	CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
				(a) [__]
				(b) [__]
3	SEC USE ONLY
4	CITIZENSHIP OR PLACE OF ORGANIZATION
	Federally chartered stock savings institution's employee stock benefit plan organized in California
NUMBER OF SHARES		5	SOLE VOTING POWER 403,545
BENEFICIALLY OWNED BY		6	SHARED VOTING POWER 1,017,302
EACH REPORTING		7	SOLE DISPOSITIVE POWER 1,420,847
PERSON WITH		8	SHARED DISPOSITIVE POWER -0-
9	AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 1,420,847
10	CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*
11	PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9) 11.66% OF 12,184,870 SHARES OF COMMON STOCK OUTSTANDING AS OF DECEMBER 31, 2002.
12	TYPE OF REPORTING PERSON EP

*SEE INSTRUCTION BEFORE FILLING OUT!

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PFF BANK AND TRUST
EMPLOYEE STOCK OWNERSHIP PLAN

SCHEDULE 13G

Item 1 (a)	Name of Issuer: PFF Bancorp, Inc.
Item 1 (b)	Address of Issuer's Principal Executive Offices: 350 South Garey Avenue Pomona, California 91766
Item 2 (a)	Name of Person Filing: PFF Bank and Trust Employee Stock Ownership Plan Trustee: The Mechanics Bank 3170 Hilltop Mall Road Richmond, CA 94806-0047
Item 2 (b)	Address of Principal Business Offices or, if none, Residence: 350 South Garey Avenue Pomona, California 91766
Item 2 (c)	Citizenship: Federally chartered stock savings institution's employee stock benefit plan organized in California
Item 2 (d)	Title of Class of Securities: Common Stock par value $.01 per share
Item 2 (e)	CUSIP Number: 69331W-10-4
Item 3.	The person filing this statement is an employee benefit plan which is subject to the provisions of the Employee Retirement Income Security Act of 1974.
Item 4.	Ownership. As of December 31, 2002, the reporting person beneficially owned 1,420,847 shares of the issuer. This number of shares represents 11.66% of the common stock, par value $.01, of the issuer, based upon 12,184,870 shares of such common stock outstanding as of December 31, 2002. As of December 31, 2002, the reporting person has sole power to vote or to direct the vote of 403,545 of the shares and shares voting power over 1,017,302 shares. The reporting person has the sole power to dispose or direct the disposition of 1,420,847 shares of common stock.
Item 5.	Ownership of Five Percent or Less of a Class. N/A
Item 6.	Ownership of More than Five Percent on Behalf of Another Person. N/A

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Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company. N/A
Item 8.	Identification and Classification of Members of the Group. N/A
Item 9.	Notice of Dissolution of Group. N/A
Item 10.	Certification By signing below, I certify that, to the best of my knowledge and belief, the securities referred to above were acquired in the ordinary course of business and were not acquired for the purpose of and do not have the effect of changing our influencing the control of the issuer of such securities and were not acquired in connection with or as a participant in any transaction having such purpose or effect.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

May 6, 2003
(Date)

/s/ Gregory C. Talbott
(Signature)

Executive Vice President and Chief Financial Officer
(Title)

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