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)