Exhibit 32.1

                        CERTIFICATION OF PERIODIC REPORT

      Pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of
the Sarbanes-Oxley Act of 2002, each of the undersigned officers of Stewardship
Financial Corporation (the "Company"), certifies that:

(1)   the Quarterly Report on Form 10-Q of the Company for the quarterly period
      ended March 31, 2004 (the "Report") fully complies with the requirements
      of Section 13(a) or 15(d) of the Securities Exchange Act of 1934 (15
      U.S.C. 78m or 78o(d)); and

(2)   the information contained in the Report fairly presents, in all material
      respects, the financial condition and results of operations of the
      Company.


Dated: May 14, 2004                         /s/ Paul Van Ostenbridge
                                            ------------------------------------
                                            Paul Van Ostenbridge
                                            Chief Executive Officer


Dated: May 14, 2004                         /s/ Julie Holland
                                            ------------------------------------
                                            Julie Holland
                                            Vice President and Treasurer

      This certification is made solely for the purpose of 18 U.S.C. Section
1350, subject to the knowledge standard contained therein, and not for any other
purpose.


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