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

         Date of Report (Date of earliest event reported) July 25, 2006
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                        Stewardship Financial Corporation
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             (Exact Name of Registrant as Specified in its Charter)

             New Jersey                    0-21855               22-3351447
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 (State or Other Jurisdiction of        (Commission           (IRS Employer
           Incorporation)               File Number)         Identification No.)


630 Godwin Avenue, Midland Park,  NJ                                  07432
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  (Address of Principal Executive Offices)                         (Zip Code)

Registrant's telephone number, including area code        (201)  444-7100
                                                  ------------------------------

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         (Former Name or Former Address, if Changed Since Last Report)

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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 (See General Instruction A.2. below):

     [_]  Written  communications  pursuant to Rule 425 under the Securities Act
          (17CFR230.425)

     [_]  Soliciting  material  pursuant to Rule 14a-12  under the  Exchange Act
          (17CFR 240.14a-12)

     [_]  Pre-commencement  communications  pursuant to Rule 14d-2(b)  under the
          Exchange Act (17CFR 240.14d-2(b))

     [_]  Pre-commencement  communications  pursuant to Rule 13e-4(c)  under the
          Exchange Act (17CFR 240.13e-4(c))

<PAGE>

Item 2.02.  Results of Operations and Financial Condition

         On July 25,  2006,  Stewardship  Financial  Corporation  issued a press
release  announcing its unaudited results for the quarter ended June 30, 2006. A
copy of the press release is attached hereto as Exhibit 99.1.


Item 9.01.   Financial Statements and Exhibits

            (c)   The following  exhibit is furnished  pursuant to Item 2.02 and
                  shall not be deemed to be "filed":

                   Exhibit No.                       Description
                  ------------              ---------------------------------

                  Exhibit 99.1              Press Release dated July 25, 2006






<PAGE>




                                   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.







Date:      July 27, 2006                       Stewardship Financial Corporation
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                                               /s/  Julie E. Holland
                                               ---------------------------------
                                                    Julie E. Holland
                                                    Vice President and Treasurer