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 24, 2003
                ------------------------------------------------
                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
- ----------------------------------------                              ----------
(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)




                            TF FINANCIAL CORPORATION

                      INFORMATION TO BE INCLUDED IN REPORT


Item 7.  Financial Statements, Pro Forma Financial Information
         and Exhibits
         -----------------------------------------------------


     Exhibit
     Number              Description
     -------             ------------

       99       Press Release dated April 24, 2003


Item 9.  Regulation FD Disclosure
         ------------------------

     Information  under  this  Item 9 is being  provided  pursuant  to Item 12 -
Results of  Operations  and Financial  Condition in accordance  with Release No.
34-47583.  On April 24, 2003,  the  Registrant  issued a press release to report
earnings for the quarter  ended March 31,  2003. A copy of the press  release is
furnished with this Form 8-K as exhibit 99.




                                   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 24, 2003                  By:  /s/ Dennis R. Stewart
                                           -------------------------------------
                                           Dennis R. Stewart
                                           Senior Vice President and
                                             Chief Financial Officer