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, 2006 (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 15, 2006                         /s/ Paul Van Ostenbridge
                                            ------------------------------------
                                            Paul Van Ostenbridge
                                            Chief Executive Officer


Dated: May 15, 2006                         /s/ Julie Holland
                                            ------------------------------------
                                            Julie Holland
                                            Senior 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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