SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20552


                                    FORM 8-K

                                 CURRENT REPORT

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


                                 April 28, 2005
                ------------------------------------------------
                Date of Report (Date of earliest event reported)



                            TF Financial Corporation
             ------------------------------------------------------
             (Exact name of Registrant as specified in its Charter)


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

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 REPORT
                      ------------------------------------


                        Section 2 - Financial Information

Item 2.02.  Results of Operations and Financial Condition.

         On April 28,  2005,  the  Registrant  issued a press  release to report
earnings for the quarter  ended March 31,  2005. A copy of the press  release is
furnished with this Form 8-K as Exhibit 99.

                  Section 9 - Financial Statements and Exhibits

Item 9.01.  Financial Statements and Exhibits.

            (c)Exhibits:

            Exhibit 99 - Press Release dated April 28, 2005
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                                   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, thereunto duly authorized.

                                    TF FINANCIAL CORPORATION





Date: April 28, 2005                By:      /s/Dennis R. Stewart              
                                             --------------------            
                                             Dennis R. Stewart
                                             Executive Vice President and 
                                             Chief Financial Officer