EXHIBIT 32.0


                            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, 2003 (the "Report") of TF Financial  Corporation (the "Company") as
filed with the Securities and Exchange Commission, we, Kent C. Lufkin, President
and Chief Executive Officer, and Dennis R. Stewart, Executive 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/ Kent C. Lufkin                        /s/ Dennis R. Stewart
- -------------------------------------     --------------------------------------
Kent C. Lufkin                            Dennis R. Stewart
President and Chief Executive Officer     Executive Vice President
                                          and Chief Financial Officer


March 26, 2004