**SECURITIES      AND EXCHANGE COMMISSION**

**Washington,      D.C. 20549**

**FORM      8-K**

**CURRENT      REPORT**

| Stewardship                  Financial Corporation                                                                                                                                                                                                        |
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| (Exact                  Name of Registrant as Specified in its Charter)                                                                                                                                                                                   |
|                                                                                                                                                                                                                                                      |   |   |
|                    New                  Jersey                   |       0-21855      |          22-3351447          |
| (State                  or Other Jurisdiction of                                                                                                                                                                                                          | (Commission | (IRS                  Employer |
| Incorporation)                                                                                                                                                                                                                                            | File                  Number) | Identification                  No.) |
|                                                                                                                                                                                                                                                      |   |   |
|                                                                                                                                                                                                                                                      |   |   |
|  630                  Godwin Avenue, Midland Park,  NJ                                                                                                                                                                                |   |        07432        |
| (Address                  of Principal Executive Offices)                                                                                                                                                                                                 |   | (Zip                  Code) |

| Registrant’s                    telephone number, including area code      | (201)  444-7100 |
|----------------------------------------------------------------------------------|---------------------------|
|                                                                             |                      |
|                                                                             |                      |
|                                                                             |
| (Former                    Name or Former Address, if Changed Since Last Report) |
|                                                                             |                      |
|                                                                             |                      |

| o | Written                communications pursuant to Rule 425 under the Securities Act                (17CFR230.425) |
|---|-------------------------------------------------------------------------------------------------------------------|

| o | Soliciting                material pursuant to Rule 14a-12 under the Exchange Act (17CFR                240.14a-12) |
|---|---------------------------------------------------------------------------------------------------------------------|

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

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

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| **Item                  2.02.** | **Results                  of Operations and Financial                  Condition** |
|---------------------------------|-------------------------------------------------------------------------------------|

| **Item                  9.01.** | **Financial                  Statements and                  Exhibits** |
|---------------------------------|-------------------------------------------------------------------------|

|   | (d) | 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 April 26, 2007 |   |

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**Signatures**

| Date:  April                    30, 2007 | Stewardship                    Financial Corporation |                                                   |
|----------------------------------------------------|------------------------------------------------------|--------------------------------------------------------|
|                                               |                                                 |                                                   |   |
|                                               |                                                 |                                                   |   |
|                                               | /s/                                                  | Julie                    E. Holland                    |   |
|                                               |                                                 | Julie                    E. Holland                    |   |
|                                               |                                                 | Senior                    Vice President and Treasurer |   |