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 April 22, 2004 ------------------------------------------------------------ Date of Report (Date of earliest event reported) TF Financial Corporation ------------------------------------------------------------- (Exact name of Registrant as specified in its Charter) Delaware 0- 24168 74-2705050 ----------------------------- -------------- -------------------- (State or other jurisdiction (File No.) (IRS Employer of incorporation) Identification Number) 3 Penns Trail, Newtown, Pennsylvania 18940 ------------------------------------- ------------ (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) TF FINANCIAL CORPORATION INFORMATION TO BE INCLUDED IN REPORT ------------------------------------ Item 7. Financial Statements, Pro Forma Financial Information and Exhibits ------------------------------------------------------ Exhibit Number Description ------ ----------- 99 Press Release dated April 22, 2004 Item 12. Results of Operations and Financial Condition --------------------------------------------- On April 22, 2004, the Registrant issued a press release to report earnings for the quarter ended March 31, 2004. A copy of the press release is furnished with this Form 8-K as Exhibit 99 and incorporated herein by reference. 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: April 26, 2004 By: /s/Dennis R. Stewart -------------------------------------------- Dennis R. Stewart Executive Vice President and Chief Financial Officer