EXHIBIT 23











              CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS



We have issued our report dated January 22, 1997,  accompanying the consolidated
financial statements  incorporated by reference or included in the Annual Report
of TF Financial  Corporation  and  Subsidiaries  on Form 10-K for the year ended
December 31, 1996. We hereby consent to the  incorporation  by reference of said
report  in  the  Registration   Statements  of  TF  Financial   Corproation  and
Subsidiaires on Forms S-8 (File No. 33-87176,  effective  December 7, 1994), and
File No. 33-09235, effective July 31, 1996).




/s/ Grant Thornton LLP


Philadelphia, Pennsylvania
March 26, 1997