EXHIBIT 23







                CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTS

         We have issued our report  dated  January 25,  2001,  accompanying  the
consolidated  financial  statements and schedules  incorporated  by reference or
included in the Annual Report of TF Financial  Corporation  and  Subsidiaries on
Form  10-K for the year  ended  December  31,  2000.  We hereby  consent  to the
incorporation by reference of said report in the  Registration  Statements of TF
Financial Corporation and Subsidiaries on Form S-8 (File No. 33-87176, effective
December  7, 1994,  File No.  333-09235,  effective  July 31,  1996 and File No.
333-27085, effective May 14, 1997).

/s/ Grant Thornton LLP

Philadelphia, Pennsylvania
March 26, 2001