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 June
30, 2004 (the  "Report") of TF Financial  Corporation  (the  "Company") as filed
with the  Securities  and Exchange  Commission  on the date hereof,  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 position and results of operations of
          the Company.






Date: August 13, 2004                 /s/ Kent C. Lufkin
                                      ------------------------------------------
                                      Kent C. Lufkin
                                      President and CEO
                                      (Principal Executive Officer)



Date: August 13, 2004                 /s/ Dennis R. Stewart
                                      ------------------------------------------
                                      Dennis R. Stewart
                                      Executive Vice President and
                                      Chief Financial Officer
                                      (Principal Financial & Accounting Officer)