UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM 8-K
                                 CURRENT REPORT

                       PURSUANT TO SECTION 13 OR 15(D) OF
                       THE SECURITIES EXCHANGE ACT OF 1934


         Date of Report (Date of earliest event reported): JULY 28, 2006


                            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         (Commission             (IRS Employer
       of incorporation)             File Number)            Identification No.)


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
          -------------------------------------------------------------
          (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


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                            TF FINANCIAL CORPORATION
                    INFORMATION TO BE INCLUDED IN THE REPORT

                        SECTION 2 - FINANCIAL INFORMATION

ITEM 2.02 RESULTS OF OPERATION AND FINANCIAL CONDITION.

     On July 28,  2006,  the  Registrant  issued a press  release  to report its
results of  operations  for the three  months ended June 30, 2006. A copy of the
press release is included with this Form 8-K as an exhibit.

                  SECTION 9 - FINANCIAL STATEMENTS AND EXHIBITS

ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS.

     (d) Exhibits

     Exhibit 99 -- Press Release dated July 28, 2006.

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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 hereunto duly authorized.


                                       TF FINANCIAL CORPORATION


Date: July 28, 2006                    By:/s/ Dennis R. Stewart
                                          --------------------------------------
                                          Dennis R. Stewart
                                          Executive Vice President and
                                          Chief Financial Officer

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