SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549
                                   ___________

                                  SCHEDULE 13G

                                 (Rule 13d-102)


             INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT
            TO RULES 13d-1(b)(c) AND (d) AND AMENDMENTS THERETO FILED
                            PURSUANT TO RULE 13d-2(b)

                                (Amendment No. 6)


                            TF FINANCIAL CORPORATION
                            ------------------------
                                (Name of Issuer)

                     Common Stock $0.10 Par Value Per Share
                     --------------------------------------
                         (Title of Class of Securities)

                                   872391 10 7
                                   -----------
                                 (CUSIP Number)


                                December 15, 2005
                                -----------------
             (Date of Event which Requires Filing of this Statement)


         Check the  appropriate box to designate the rule pursuant to which this
Schedule is filed:

                  |_|      Rule 13 d - 1(b)
                  |X|      Rule 13 d - 1(c)
                  |_|      Rule 13 d - 1(d)



-------------------------------                      ---------------------------
CUSIP No.  872391 10 7                13G            Page 1 of 5 Pages
-------------------------------                      ---------------------------

--------------------------------------------------------------------------------
           1            NAME OF REPORTING PERSONS
                        I.R.S.  IDENTIFICATION  NO. OF ABOVE  PERSONS  (ENTITIES
                        ONLY)

                        John R. Stranford
--------------------------------------------------------------------------------
           2            CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (a) [_]
                                                                         (b) [_]
                        N/A
--------------------------------------------------------------------------------
           3            SEC USE ONLY


--------------------------------------------------------------------------------
           4            CITIZENSHIP OR PLACE OF ORGANIZATION

                        United States
--------------------------------------------------------------------------------
                          5         SOLE VOTING POWER
      NUMBER OF                          115,976 Shares
        SHARES       -----------------------------------------------------------
     BENEFICIALLY         6         SHARED VOTING POWER
       OWNED BY                                0 Shares
        EACH         -----------------------------------------------------------
     REPORTING            7         SOLE DISPOSITIVE POWER
    PERSON WITH                          160,976 Shares
                     -----------------------------------------------------------
                          8         SHARED DISPOSITIVE POWER
                                               0 Shares
--------------------------------------------------------------------------------
           9            AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING
                        PERSON

                        160,976 Shares
--------------------------------------------------------------------------------
          10            CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES
                        CERTAIN SHARES                                       [_]
--------------------------------------------------------------------------------
          11            PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)
                                      5.45%
--------------------------------------------------------------------------------
          12            TYPE OF REPORTING PERSON

                                      IN
--------------------------------------------------------------------------------



Item 1(a).  Name of Issuer:
----------  --------------

            TF Financial Corporation

Item 1(b).  Address of Issuer's Principal Executive Offices:
----------  -----------------------------------------------

            3 Penns Trail, Newtown, Pennsylvania 18940

Item 2(a).  Name of Person Filing:
----------  ---------------------

            John R. Stranford

Item 2(b).  Address of Principal Business Office or, if None,
----------  -------------------------------------------------
            Residence:
            ----------

            3 Penns Trail, Newtown, Pennsylvania 18940

Item 2(c).  Citizenship:
----------  -----------

            United States

Item 2(d).  Title of Class of Securities:
----------  ----------------------------

            Common Stock, $0.10 par value per share.

Item 2(e).  CUSIP Number:
----------  ------------

            872391 10 7

Item 3.
-------

            Not Applicable.

                                       -2-



Item 4.  Ownership:
-------  ----------

         The following  information  relates to Mr. Stranford's  ownership as of
December 31, 2005.

         (a)      Amount beneficially owned:

                  160,976 shares

         (b)      Percent of Class:

                  5.45%

         (c)      Number of shares as to which such person  has:

                  (I)   Sole power to vote or to direct the vote

                        115,976 shares

                  (ii)  Shared power to vote or to direct the vote
                        0 shares

                  (iii) Sole power to dispose or to direct the disposition of
                        160,976 shares

                  (iv)  Shared power to dispose or to direct the disposition of
                        0 shares

Item 5.  Ownership of Five Percent or Less of a Class:
-------  --------------------------------------------

         Not Applicable.

Item 6.  Ownership of More Than Five Percent on Behalf of Another Person:
-------  ---------------------------------------------------------------

         Not Applicable.

Item 7.  Identification and Classification of the Subsidiary Which Acquired the
-------  ----------------------------------------------------------------------
Security Being Reported on by the Parent Holding Company:
--------------------------------------------------------

         Not Applicable.

Item 8.  Identification and Classification of Members of the Group:
-------  ---------------------------------------------------------

         Not Applicable.

                                       -3-



Item 9.  Notice of Dissolution of Group:
-------  ------------------------------

         Not Applicable.

Item 10.  Certification:
--------  -------------

         By  signing  below I  certify  that,  to the best of my  knowledge  and
belief, the securities  referred to above were not acquired and are not held for
the purpose of or with the effect of changing or influencing  the control of the
issuer of the  securities  and were not acquired and are not held in  connection
with or as a participant in any transaction having that purpose or effect.

                                       4-



                                    SIGNATURE
                                    ---------


         After reasonable  inquiry and to the best of my knowledge and belief, I
certify that the information set forth in this statement is true, complete,  and
correct.


Date: February 3, 2006                   By:   /s/John R. Stranford
                                               ---------------------------------
                                               John R. Stranford