X0201 4 2003-12-18 0 0001004969 PFF BANCORP INC PFFB 0001225280 SMITH GILBERT F C/O PFF BANCORP, INC. 350 SOUTH GAREY AVENUE POMONA CA 91766 0 1 0 0 Senior VP/General Counsel Common Stock 2003-12-18 4 M 0 6500 9.11 A 20465 D Common Stock 2003-12-18 4 S 0 4800 36.5 D 4068 I By 401(k) Trust Common Stock 2003-12-18 4 S 0 1700 36.6035 D 4939 I By SERP Trust Common Stock 17285 I By ESOP Common Stock 6540 I By Deferred Compensation Employee Stock Option (right to buy) 9.11 2003-12-18 4 M 0 6500 0 D 2006-12-23 Common Stock 6500 15209 D Employee Stock Option (right to buy) 19.04 2011-12-23 Common Stock 37097 37097 D Stock Options granted under the PFF Bancorp, Inc. 1996 Incentive Plan vest in five equal annual installments commencing on October 23, 1997. Stock Options granted under the PFF Bancorp, Inc. 1999 Incentive Plan vest in five equal annual installments commencing on October 23, 2002. /s/ Carole F. Olson for Gilbert F. Smith, by power of attorney 2003-12-19