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 Annual  Report on Form 10-K for the year ended
December 31, 2002 (the "Report") of TF Financial  Corporation (the "Company") as
filed with the  Securities  and  Exchange  Commission,  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                            /s/Dennis R. Stewart
- -------------------------------------           --------------------------------
John R. Stranford                               Dennis R. Stewart
President and Chief Executive Officer           Senior Vice President
                                                and Chief Financial Officer


March 26, 2003