Exhibit
      31.2







**Certification
      of Quarterly Report**





I,
      Julie
      Holland, certify that:


I,
        Julie
        Holland, certify that:
  1.
              I
                  have reviewed this Quarterly Report on Form 10-Q of Stewardship
                  Financial
                  Corporation;
  2.
              Based
                  on my knowledge, this report does not contain any untrue statement
                  of a
                  material fact or omit to state a material fact necessary to make
                  the
                  statements made, in light of the circumstances under which such
                  statements
                  were made, not misleading with respect to the period covered by
                  this
                  report;
  3.
              Based
                  on my knowledge, the financial statements, and other financial
                  information
                  included in this report, fairly present in all material respects
                  the
                  financial condition, results of operations and cash flows of the
                  registrant as of, and for, the periods presented in this
                  report;
  4.
              The
                  registrant's other certifying officer(s) and I are responsible
                  for
                  establishing and maintaining disclosure controls and procedures
                  (as
                  defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) for the
                  registrant
                  and have:
  (a)
        Designed such disclosure controls and procedures, or caused such disclosure
        controls and procedures to be designed under our supervision, to ensure that
        material information relating to the registrant, including its consolidated
        subsidiaries, is made known to us by others within those entities, particularly
        during the period in which this report is being prepared;
  (b)
        Evaluated the effectiveness of the registrant's disclosure controls and
        procedures and presented in this report our conclusions about the effectiveness
        of the disclosure controls and procedures, as of the end of the period covered
        by this report based on such evaluation; and
  (c)
        Disclosed in this report any change in the registrant's internal control
        over
        financial reporting that occurred during the registrant's most recent fiscal
        quarter (the registrant's fourth fiscal quarter in the case of an annual
        report)
        that has materially affected, or is reasonably likely to materially affect,
        the
        registrant's internal control over financial reporting.
  5.
              The
                  registrant's other certifying officer(s) and I have disclosed,
                  based on
                  our most recent evaluation of internal control over financial reporting,
                  to the registrant's auditors and the audit committee of the registrant's
                  board of directors (or persons performing the equivalent
                  functions):
  (a)
        All
        significant deficiencies and material weaknesses in the design or operation
        of
        internal control over financial reporting which are reasonably likely to
        adversely affect the registrant's ability to record, process, summarize and
        report financial information; and
  (b)  Any
        fraud, whether or not material, that involves management or other employees
        who
        have a significant role in the registrant's internal control over financial
        reporting.




Date:
      August 10, 2007




/s/
      Julie
      Holland


Julie
      Holland


Senior
      Vice President and Treasurer






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