EXHIBIT 16.1
February 1, 2013
Office of the Chief Accountant
Securities and Exchange Commission
100 F Street, N. E.
Washington, D.C. 20549
Ladies and Gentlemen:
We have read the comments made regarding us in Item 4.01 of Form 8-K of Stewardship Financial Corporation dated February 1, 2013, as contained in the third sentence of the first paragraph of Item 4.01 and the second paragraph of Item 4.01, and are in agreement with those statements. We are not in a position to agree or disagree with the stated reason for changing principal accountants, as well as the Corporation’s statements that the audit committee decided to engage KPMG LLP to serve as the Corporation’s independent registered public accounting firm for the fiscal year December 31, 2013.
Crowe Horwath LLP
Livingston, New Jersey
| cc: | Audit Committee |
| Stewardship Financial Corporation |
