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 Annual Report on Form 10-K of the Company for the year ended  December
      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: March 28, 2005                           /s/ Paul Van Ostenbridge
                                                --------------------------------
                                                Paul Van Ostenbridge
                                                Chief Executive Officer


Dated: March 28, 2005                           /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.