Consent of Independent Certified Public Accountants
              ---------------------------------------------------



We have issued our report dated November 1, 1996,  accompanying the statement of
assets  acquired and  liabilities  assumed  included in  Amendment  No. 2 to the
Report on Form 8-K dated  September  20, 1996 of TF  Financial  Corporation.  We
hereby  consent  to  the  incorporation  by  reference  of  said  report  in the
Registration Statements of TF Financial Corporation and Subsidiaries on Form S-8
(File No. 33-87176, effective December 7, 1994 and File No. 333-09235, effective
July 31, 1996).



GRANT THORNTON LLP



/s/Grant Thornton LLP


Philadelphia, Pennsylvania
November 15, 1996