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


                                January 25, 2005
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                                 Date of Report
                        (Date of earliest event reported)


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

        Delaware                         0-16668                  22-2866913   
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(State or other jurisdiction         (SEC Commission            (IRS Employer
     of incorporation)                   File No.)              Identification
                                                                   Number)
                               
838 Market Street, Wilmington, Delaware                      19899  
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(Address of principal executive offices)                   (Zip Code)

Registrant's telephone number, including area code: (302)792-6000
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                                 Not Applicable
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          (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



                           WSFS FINANCIAL CORPORATION


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


Item 2.02       Results of Operation and Financial Condition
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         On January 25, 2005,  the  Registrant  issued a press release to report
earnings for the quarter ended December 31, 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
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                Information and Exhibits                 
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         (c) Exhibits:

                  99       Press Release dated January 25, 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, hereunto duly authorized.


                                        WSFS FINANCIAL CORPORATION


Date: January 26, 2005                  By:  /s/Stephen A. Fowle
                                             -----------------------------------
                                             Stephen A. Fowle
                                             Chief Financial Officer