Exhibit 16

April  5,  2006


Securities  and  Exchange  Commission
Washington,  D.C.  20549


Ladies  and  Gentlemen:

We  were  previously principal accountants for Stewardship Financial Corporation
and  subsidiary  and,  under  the  date  of  March  29, 2006, we reported on the
consolidated financial statements of Stewardship Financial Corporation as of and
for  the  years  ended  December  31, 2005 and 2004.  On March 10, 2006, we were
notified that Stewardship Financial Corporation engaged Crowe Chizek and Company
LLC  as  its principal accountant for the year ending December 31, 2006 and that
the  auditor-client  relationship  with  KPMG  will cease upon completion of the
audit  of  Stewardship  Financial  Corporation  and  subsidiary's  consolidated
financial  statements  as  of  and for the year ended December 31, 2005, and the
issuance  of  our report thereon.  On March 29, 2006, we completed our audit and
the  auditor-client  relationship  ceased.  We  have  read Stewardship Financial
Corporation  and  subsidiary's  statements  included under Item 4.01 of its Form
8-K/A  dated April 5, 2006 and we agree with such statements, except that we are
not  in  a  position to agree or disagree with Stewardship Financial Corporation
and  subsidiary's  statement that the change was approved by the audit committee
of the board of directors and we are not in a position to agree or disagree with
Stewardship  Financial  Corporation and subsidiary's statement that Crowe Chizek
and  Company  LLC  were  not  engaged  regarding  the  application of accounting
principles to a specified transaction or the type of audit opinion that might be
rendered  on  Stewardship  Financial  Corporation  and subsidiary's consolidated
financial  statements.

Very  truly  yours,

/S/  KPMG  LLP
Short  Hills,  New  Jersey