CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM


We have issued our report  dated March 25, 2005  accompanying  the  consolidated
financial statements of TF Financial  Corporation and subsidiaries  appearing in
the 2004 Annual Report of the Company to its shareholders included in the Annual
Report on Form 10-K for the year ended December 31, 2004, which are incorporated
by reference in this Registration  Statement. We consent to the incorporation by
reference in the Registration Statement of the aforementioned report.



/s/ GRANT THORNTON LLP

Philadelphia, Pennsylvania
May 19, 2005