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


                                October 24, 2003
         --------------------------------------------------------------
                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 October 24, 2003


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

         On October 24, 2003,  the  Registrant  issued a press release to report
earnings for the quarter  ended  September 30, 2003. 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: October 24, 2003         By:  /s/Dennis R. Stewart
                                    --------------------------------------------
                                    Dennis R. Stewart
                                    Executive Vice President and Chief Financial
                                    Officer