Exhibit 32
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                            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, 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: November 12, 2004             /s/ Kent C. Lufkin
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                                    Kent C. Lufkin
                                    President and CEO
                                    (Principal Executive Officer)


Date: November 12, 2004             /s/ Dennis R. Stewart
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                                    Dennis R. Stewart
                                    Executive Vice President and
                                    Chief Financial Officer
                                    (Principal Financial & Accounting Officer)