**Exhibit 31.1**

 

CERTIFICATION PURSUANT TOSECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

 

I, Kent C. Lufkin,President and Chief Executive Officer, certify that:

 

1. I have reviewed thisquarterly report on Form 10-Q of TF Financial Corporation (Registrant);

 

2. Based on my knowledge,this quarterly report does not contain any untrue statement of a material factor omit to state a material fact necessary to make the statements made, inlight of the circumstances under which such statements were made, not misleadingwith respect to the period covered by this quarterly report;

 

3. Based on my knowledge,the financial statements, and other financial information included in thisquarterly report, fairly present in all material respects the financialposition, results of operations and cash flows of the Registrant as of, andfor, the periods presented in this quarterly report;

 

4. The Registrant’s othercertifying officer and I are responsible for establishing and maintainingdisclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e)and 15d-15(e)) for the Registrant and we have:

 

a) designed suchdisclosure controls and procedures , or caused such disclosure controls andprocedures to be designed under our supervision, to ensure that material informationrelating to the Registrant, including its consolidated subsidiaries, is madeknown to us by others within those entities, particularly during the period inwhich this quarterly report is being prepared;

 

b) evaluated theeffectiveness of the Registrant’s disclosure controls and procedures andpresented in this quarterly report our conclusions about the effectiveness ofthe disclosure controls and procedures, as of the end of the period covered bythis report based on such evaluation; and

 

c)disclosed in this report any change in the Registrant’s internal control overfinancial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)),that occurred during the Registrant’s most recent fiscal quarter that hasmaterially affected, or is reasonably likely to materially affect, theRegistrant’s internal control over financial reporting; and

 

5.The Registrant’s other certifying officer and I have disclosed, based on ourmost recent evaluation of internal control over financial reporting, to theRegistrant’s auditors and the audit committee of Registrant’s board ofdirectors (or persons performing the equivalent function):

 

a) all significantdeficiencies and material weaknesses in the design or operation of internalcontrol over financial reporting which are reasonably likely to adverselyaffect the Registrant’s ability to record, process, summarize and reportfinancial information; and

 

b) any fraud, whether ornot material, that involves management or other employees who have asignificant role in the Registrant’s internal control over financial reporting.

 

 
| Date:  | November 13, 2007 |                                   |   | /s/ Kent C. Lufkin |   |
|--------|-------------------|----------------------------------------|--------|--------------------|--------|
|   |              | Kent C. Lufkin                         |
|   |              | President and Chief  Executive Officer |
|   |              | (Principal Executive  Officer)         |

 

----