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 period ended
         June 30, 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: August 14, 2006                       /s/ Paul Van Ostenbridge
                                             -----------------------------------
                                             Paul Van Ostenbridge
                                             Chief Executive Officer


Dated: August 14, 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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