**SECURITIES      AND EXCHANGE COMMISSION**

**Washington,      D.C. 20549**

**FORM      8-K**

**CURRENT      REPORT**

| Date                of Report (Date of earliest event reported) | October                31, 2007 |   |
|-----------------------------------------------------------------|---------------------------------|--------|

| 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 October 31, 2007 |   |

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**Signatures**

| Date:  November                5, 2007 | Stewardship                Financial Corporation                                                                                                                                                                                                                          |
|--------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                             |                                                                                                                                                                                                                                                                      |
|                                             |                                                                                                                                                                                                                                                                      |
|                                             | /s/  Julie                E.                Holland                                   |
|                                             |                      Julie E. Holland                                                                                                                                                                                                            |
|                                             |                      Vice President and                Treasurer                                                                                                                                                                                 |