-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 RE6IeFUKNcH9q2wdtTg12oI5pR/Bn9PpbqcewDqJ5lLyFM4jPABXiD4FZQRK1YSc
 gWVXP4rn6sFQqCLWvROGdw==

<SEC-DOCUMENT>0001179110-07-001455.txt : 20070118
<SEC-HEADER>0001179110-07-001455.hdr.sgml : 20070118
<ACCEPTANCE-DATETIME>20070118102953
ACCESSION NUMBER:		0001179110-07-001455
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20070116
FILED AS OF DATE:		20070118
DATE AS OF CHANGE:		20070118

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			STRANFORD JOHN R
		CENTRAL INDEX KEY:			0001054893

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-24168
		FILM NUMBER:		07536700

	BUSINESS ADDRESS:	
		BUSINESS PHONE:		21545794000

	MAIL ADDRESS:	
		STREET 1:		3 PENNS TRAIL
		CITY:			NEWTON
		STATE:			PA
		ZIP:			18940

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			TF FINANCIAL CORP
		CENTRAL INDEX KEY:			0000921051
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				742705050
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		3 PENNS TRAIL
		CITY:			NEWTOWN
		STATE:			PA
		ZIP:			18940
		BUSINESS PHONE:		2155794000

	MAIL ADDRESS:	
		STREET 1:		3 PENNS TRAIL
		CITY:			NEWTOWN
		STATE:			PA
		ZIP:			18940
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>edgar.xml
<DESCRIPTION>FORM 4 -
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2007-01-16</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0000921051</issuerCik>
        <issuerName>TF FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>THRD</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001054893</rptOwnerCik>
            <rptOwnerName>STRANFORD JOHN R</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>215 WATERGATE DRIVE</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>LANGHORNE</rptOwnerCity>
            <rptOwnerState>PA</rptOwnerState>
            <rptOwnerZipCode>19053</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle></officerTitle>
            <otherText></otherText>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2007-01-16</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>F</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>7956</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>30.00</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>87460</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <derivativeTable></derivativeTable>

    <footnotes></footnotes>

    <remarks>Owns 1,667 Indirectly by stock grant. Owns 16,420 Indirectly by ESOP. Owns 40,293 Indirectly by IRA.  6,000 Options Right-to-Buy.</remarks>

    <ownerSignature>
        <signatureName>Dennis R. Stewart - POA</signatureName>
        <signatureDate>2007-01-18</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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