SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20552


                                    FORM 8-K

                                 CURRENT REPORT

                       Pursuant to Section 13 or 15(d) of
                       the Securities Exchange Act of 1934


                                 April 22, 2004
          ------------------------------------------------------------
                Date of Report (Date of earliest event reported)




                            TF Financial Corporation
          -------------------------------------------------------------
             (Exact name of Registrant as specified in its Charter)


           Delaware                 0- 24168            74-2705050
-----------------------------    --------------     --------------------
(State or other jurisdiction      (File No.)        (IRS Employer
 of incorporation)                                  Identification Number)


3 Penns Trail, Newtown, Pennsylvania                      18940
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(Address of principal executive offices)               (Zip Code)


Registrant's telephone number, including area code:   (215) 579-4000
                                                    ------------------


                                 Not Applicable
          -------------------------------------------------------------
          (Former name or former address, if changed since last Report)





                            TF FINANCIAL CORPORATION

                      INFORMATION TO BE INCLUDED IN REPORT
                      ------------------------------------


Item 7.  Financial Statements, Pro Forma Financial Information
         and Exhibits
         ------------------------------------------------------


     Exhibit
     Number              Description
     ------              -----------

       99       Press Release dated April 22, 2004


Item 12.  Results of Operations and Financial Condition
          ---------------------------------------------

         On April 22,  2004,  the  Registrant  issued a press  release to report
earnings for the quarter  ended March 31,  2004. A copy of the press  release is
furnished with this Form 8-K as Exhibit 99 and incorporated herein by reference.









                                   SIGNATURES


         Pursuant to the  requirements  of the Securities  Exchange Act of 1934,
the  Registrant  has duly  caused  this Report to be signed on its behalf by the
undersigned, thereunto duly authorized.

                           TF FINANCIAL CORPORATION






Date: April 26, 2004       By:   /s/Dennis R. Stewart
                                 --------------------------------------------
                                 Dennis R. Stewart
                                 Executive Vice President and Chief Financial
                                 Officer