Independent Accountants' Consent
                        --------------------------------



The Board of Directors
Stewardship Financial Corporation:


We consent to incorporation by reference in registration statement Nos.
333-20699 and 333-54738 on Form S-3, 333-20793, 333-31245 and 333-87842 on Form
S-8 of Stewardship Financial Corporation of our report dated January 30, 2004,
relating to the consolidated statements of financial condition of Stewardship
Financial Corporation and subsidiary as of December 31, 2003 and 2002, and the
related consolidated statements of income, changes in stockholders' equity, and
cash flows for each of the years in the three-year period ended December 31,
2003, which report is incorporated by reference in the December 31, 2003 annual
report on Form 10-K of Stewardship Financial Corporation.





Short Hills, New Jersey
March 29, 2004