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 January 27, 2005 ------------------------------------------------------ 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) 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 January 27, 2005, the Registrant issued a press release to report earnings for the quarter ended December 31, 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 January 27, 2005 ---------- 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: January 27, 2005 By: /s/Dennis R. Stewart -------------------------------------------- Dennis R. Stewart Executive Vice President and Chief Financial Officer