CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS



     We have  issued  our  report  dated  January  23,  2004,  accompanying  the
consolidated  financial statements  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,  2003.  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, 2004