A TFR IS PENETRATED BY A PA-28 ATP PLT WHILE ON A FLT BTWN SBJ AND BLM; NJ.

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ON JUL/WED/03 AROUND XA30 LOCAL TIME I PLANNED A VFR FLT FROM SUSSEX; NJ (FWN) TO MONMOUTH; NJ (BLM). I CHKED WX AND NOTAMS. THERE WAS NO MENTION OF A TFR IN THE AREA AT THAT TIME. ON THE MORNING OF JUL/THU/03; I CHKED WX AND NOTAMS. I DID NOT SEE THE REF TO FDC THAT WAS IN MY WX BRIEFING. I DEPARTED FWN AROUND XA15 LOCAL TIME. AFTER CLBING OUT OF THE TFC PATTERN. I TUNED MY #2 COM RADIO TO 121.5. THERE WAS AN ELT ACTIVATED SOMEWHERE IN THE AREA SO I TURNED THE VOLUME DOWN. I CONTINUED MY CLB TO 4500 FT AND FLEW DIRECT TO SBJ VOR. OCCASIONALLY; I TURNED THE VOLUME UP ON 121.5 BUT STILL HEARD THE ELT AND LOWERED THE VOLUME SO I WOULDN'T HEAR THE ELT TONE. AFTER REACHING SBJ VOR I TURNED DIRECT TO BLM ARPT AND CLBED TO 5500 FT. BEING ONLY 20 MINS OUT OF BLM; I TUNED MY #2 COM RADIO TO THE AWOS ON 121.625 TO LISTEN TO WX. I WAS MONITORING 123.00 ON MY #1 COM RADIO. I FLEW OVER THE RESERVOIR JUST W OF BLM TO SET UP FOR A L DOWNWIND FOR RWY 32 AT BLM. AFTER LNDG; I TAXIED TO RAMP TO PARK MY ACFT. AT THE TIME A POLICE OFFICER ASKED ME IF I HAD FLOWN IN FROM THE PHILADELPHIA AREA. I INFORMED HIM THAT I HAD NOT; THAT I WAS COMING FROM SUSSEX; NJ. HE ASKED TO SEE MY DRIVER'S LICENSE AND PILOT'S LICENSE. HE THEN INFORMED ME THAT I MIGHT HAVE POSSIBLY FLOWN THROUGH THE TFR NEAR PHILADELPHIA. I IMMEDIATELY CHKED FOR TFR'S AND FOUND THAT I HAD PENETRATED THE TFR WHEN I FLEW BTWN SBJ VOR AND BLM ARPT. USING ATC ADVISORY SVCS WOULD HAVE PREVENTED THIS OCCURRENCE.