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


                                October 19, 2004
             ------------------------------------------------------
                                 Date of Report
                        (Date of earliest event reported)


                           WSFS Financial Corporation
             ------------------------------------------------------
             (Exact name of Registrant as specified in its Charter)

       Delaware                         0-16668                 22-2866913 
----------------------------        ---------------            -------------
(State or other jurisdiction        (SEC Commission            (IRS Employer
     of incorporation)                  File No.)              Identification
                                                                   Number)

838 Market Street, Wilmington, Delaware                      19899  
----------------------------------------                   ----------
(Address of principal executive offices)                   (Zip Code)

Registrant's telephone number, including area code: (302)792-6000
                                                    -------------

                                 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 to communications pursuant to Rule 13e-4(c) under the Exchange Act






                           WSFS FINANCIAL CORPORATION

                      INFORMATION TO BE INCLUDED IN REPORT
                      ------------------------------------


Item 2.02         Results of Operation and Financial Condition
                  --------------------------------------------

         On October 19, 2004,  the  Registrant  issued a press release to report
earnings for the quarter  ended  September 30, 2004. A copy of the press release
is furnished with this Form 8-K as an exhibit.


Item 9.01         Financial Statements, Pro Forma Financial
                  Information and Exhibits                 
                  ------------------------                 

         (c) Exhibits:

                  99       Press Release dated October 19, 2004



                                   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.


                                            WSFS FINANCIAL CORPORATION


Date: October 20, 2004                 By:  /s/Mark A. Turner
                                            ------------------------------------
                                            Mark A. Turner
                                            Chief Financial Officer