CERTIFICATION PURSUANT TO 18 U.S.C. ss. 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report on Form 10-Q for the quarter ended September 30, 2002 (the "Report") of TF Financial Corporation (the "Company") as filed with the Securities and Exchange Commission on the date hereof, we, John R. Stranford, President and Chief Executive Officer, and Dennis R. Stewart, Senior 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 2002, 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 condition and results of operations of the Company. /s/ John R. Stranford --------------------- Date: November 13, 2002 John R. Stranford President and Chief Executive Officer (Principal Executive Officer) /s/ Dennis R. Stewart --------------------- Date: November 13, 2002 Dennis R. Stewart Senior Vice President and Chief Financial Officer (Principal Financial & Accounting Officer)