UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 8-K
                                 CURRENT REPORT

                       Pursuant to Section 13 or 15(d) of
                       the Securities Exchange Act of 1934


        Date of Report (Date of earliest event reported): April 28, 2006


                            TF FINANCIAL CORPORATION
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             (Exact name of Registrant as specified in its Charter)


            Delaware                  0-24168                   74-2705050
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(State or other jurisdiction        (Commission              (IRS Employer
       of incorporation)            File Number)             Identification No.)


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)

         Check the  appropriate  box below if the Form 8-K filing is intended to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions:

[ ]  Written communications pursuant to Rule 425 under the Securities Act
[ ]  Soliciting material pursuant to Rule 14a-12 under the Exchange Act
[ ]  Pre-commencement   communications  pursuant  to  Rule  14d-2(b)  under  the
     Exchange Act
[ ]  Pre-commencement   communications  pursuant  to  Rule  13e-4(c)  under  the
     Exchange Act



                            TF FINANCIAL CORPORATION
                    INFORMATION TO BE INCLUDED IN THE REPORT

                        Section 2 - Financial Information

Item 2.02  Results of Operation and Financial Condition.

         On April 28, 2006, the Registrant  issued a press release to report its
results of  operations  for the three  months ended March 31, 2006 A copy of the
press release is included with this Form 8-K as an exhibit.

                  Section 9 - Financial Statements and Exhibits

Item 9.01  Financial Statements and Exhibits.

         (d) Exhibits

         Exhibit 99 -- Press Release dated April 28, 2006.



                                   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 hereunto duly authorized.


                                    TF FINANCIAL CORPORATION


Date: April 28, 2006                By: /s/Dennis R. Stewart
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                                        Dennis R. Stewart
                                        Executive Vice President and
                                        Chief Financial Officer