Exhibit 31.2  CERTIFICATION PURSUANT TO
SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002  I,
Dennis R. Stewart, Executive Vice President and Chief Financial Officer,
certify that:  1.I have reviewed this annual report on Form 10-K
of TF Financial Corporation for the year ended December 31, 2009;  2.Based on myknowledge, this annual report doesnot contain any untrue
statement of a material fact or omit to state a material fact necessary to make
the statements made, in light of the circumstances under which such statements
were made, not misleading with respect to the period covered by this annual
report;  3.Based on my knowledge, the financial
statements, and other financial information included in this annual report,
fairly present in all material respects the financial condition, results of
operations and cash flows of the Registrant as of, and for, the periods
presented in this annual report;  4.The Registrants other certifying officer and
I are responsible for establishing and maintaining disclosure controls and
procedures (as defined in Exchange Act Rules 13a-15 (e) and
15d-15(e)) and internal control over financial reporting (as defined in
Exchange Act Rules 13a-15(f) and 15d-15(f) for the Registrant
and we have:  a)designed such disclosure controls and
procedures, or caused such disclosure controls and procedures to be designed
under our supervision, to ensure that material information relating to the
Registrant, including its consolidated subsidiaries, is made known to us by
others within those entities, particularly during the period in which this
annual report is being prepared;  b)designed such internal control over financial
reporting, or caused such internal controls over financial reporting to be
designed under our supervision, to provided reasonable assurance regarding the
reliability of financial reporting and the preparation of financial statements
for external purposes in accordance with generally accepted principles;  c)evaluated the effectiveness of the Registrants
disclosure controls and procedures and presented in this report our conclusions
about the effectiveness of the disclosure controls and procedures, as of the
end of the period covered by this report based on such evaluation; and  d)disclosed in this report any change in the Registrants
internal control over financial reporting that occurred during the Registrants
most recent fiscal quarter (the Registrants fourth quarter in the case
of an annual report) that has materially
affected, or is reasonably likely to materially affect, the Registrants
internal control over financial reporting; and  5.The Registrants other
certifying officer and I have disclosed, based on our most recent evaluation of
internal control over financial reporting, to the Registrants auditors and to
the audit committee of the Registrants board of directors (or persons
performing the equivalent function):  a)all significant deficiencies and material
weaknesses in the design or operation of internal control over financial
reporting which are reasonably likely to adversely affect the Registrants
ability to record, process, summarize and report financial information; and  b)any fraud, whether or not material, that
involves management or other employees who have a significant role in the
Registrants internal control over financial reporting.  Date:
  March 30, 2010
  
  /s/ DENNIS R. STEWARTDennis R. StewartExecutive Vice President and Chief Financial Officer(Principal Financial & Accounting Officer)