Exhibit 32

                            CERTIFICATION PURSUANT TO
                               18 U.S.C. ss. 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2003

In connection with the Quarterly Report on Form 10-Q for the quarter ended March
31, 2004 (the  "Report") of TF Financial  Corporation  (the  "Company") as filed
with the  Securities  and Exchange  Commission  on the date hereof,  we, Kent C.
Lufkin, President and Chief Executive Officer, and Dennis R. Stewart,  Executive
Vice  President and Chief  Financial  Officer  (Principal  Accounting  Officer),
hereby certify,  pursuant to 18 U.S.C. ss.1350, as adopted pursuant to ss.906 of
the Sarbanes-Oxley Act of 2003, that:

(1) The Report fully  complies  with the  requirements  of Section  13(a) of the
Securities Exchange Act of 1934; and

(2) The  information  contained in the Report fairly  presents,  in all material
respects, the financial position and results of operations of the Company.





                                      /s/ Kent C. Lufkin
                                      ------------------------------------------
Date: May 14, 2004                    Kent C. Lufkin
                                      President and CEO
                                      (Principal Executive Officer)


                                      /s/ Dennis R. Stewart
                                      ------------------------------------------
Date: May 14, 2004                    Dennis R. Stewart
                                      Executive Vice President and
                                      Chief Financial Officer
                                      (Principal Financial & Accounting Officer)