SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20552


                                    FORM 8-K

                                 CURRENT REPORT

                       Pursuant to Section 13 or 15(d) of
                       the Securities Exchange Act of 1934


                                   July 28, 2005
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                Date of Report (Date of earliest event reported)



                            TF FINANCIAL CORPORATION
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             (Exact name of Registrant as specified in its Charter)


           Delaware                   0- 24168                74-2705050        
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(State or other jurisdiction        (File No.)        (IRS Employer
 of incorporation)                                    Identification Number)

3 Penns Trail, Newtown, Pennsylvania                           18940   
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(Address of principal executive offices)                    (Zip Code)

Registrant's telephone number, including area code:   (215) 579-4000
                                                     ----------------

                                 Not Applicable
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          (Former name or former address, if changed since last Report)


     Check the  appropriate  box below if the Form 8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions:

     |_|  Written  communications  pursuant to Rule 425 under the Securities Act
     |_|  Soliciting material pursuant to Rule 14a-12 under the Exchange Act
     |_|  Pre-commencement  communications  pursuant to Rule 14d-2(b)  under the
          Exchange Act
     |_|  Pre-commencement  communications  pursuant to Rule 13e-4(c)  under the
          Exchange Act




                            TF FINANCIAL CORPORATION

                      INFORMATION TO BE INCLUDED IN REPORT
                      ------------------------------------


                        SECTION 2 - FINANCIAL INFORMATION

ITEM 2.02.  RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

     On July 28, 2005, the Registrant  issued a press release to report earnings
for the quarter  ended June 30, 2005.  A copy of the press  release is furnished
with this Form 8-K as Exhibit 99.

                  SECTION 9 - FINANCIAL STATEMENTS AND EXHIBITS

ITEM 9.01.  FINANCIAL STATEMENTS AND EXHIBITS.

     (c)Exhibits:

            Exhibit 99 - Press Release dated July 28, 2005
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                                   SIGNATURES


     Pursuant to the  requirements  of the Securities  Exchange Act of 1934, the
Registrant  has duly  caused  this  Report  to be  signed  on its  behalf by the
undersigned, thereunto duly authorized.

                                    TF FINANCIAL CORPORATION


Date: July 28, 2005                 By: /s/ Dennis R. Stewart
                                    --------------------------------------------
                                    Dennis R. Stewart
                                    Executive Vice President and Chief Financial
                                    Officer