SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                    FORM 8-K
                                 CURRENT REPORT


                     PURSUANT TO SECTION 13 OR 15(d) OF THE
                         SECURITIES EXCHANGE ACT OF 1934

         Date of Report (Date of earliest event reported) April 18, 2003
                                                          ---------------



                        Stewardship Financial Corporation
--------------------------------------------------------------------------------
             (Exact Name of registrant as specified in its charter)

New Jersey                              0-21855                 22-3351447
--------------------------------      -------------- ---------------------------
 (State or other jurisdiction of      (Commission             (IRS Employer
incorporation)                        File Number)       Identification No.)


630 Godwin Avenue, Midland Park,  NJ                                  07432
--------------------------------------------                  ------------------
  (Address of principal executive offices)                         (Zip Code)

Registrant's telephone number, including area code      (201)  444-7100
                                                  ------------------------------


--------------------------------------------------------------------------------
          (Former name or former address, if changed since last report)









Item 7. Financial Statements, Pro Forma Financial Information and Exhibits

     (c) The following exhibit is filed herewith:

          Exhibit 99.1 Press Release dated April 17, 2003

Item 9. Regulation FD Disclosure

     On April 17, 2003, Stewardship Financial  Corporation,  (the "Corporation")
issued a press release  announcing  its unaudited  results for the first quarter
ended March 31, 2003. A copy of the press release is attached  hereto as Exhibit
99.1.

Item 12. Results of Operations and Financial Condition

     In accordance with SEC Release No. 33-8216, the information set forth under
"Item 9.  Regulation FD Disclosure" is intended to be furnished  under "Item 12.
Results of Operations and Financial Condition."








                                   Signatures


Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned hereunto duly authorized.







Date:    April 18, 2003                       Stewardship Financial Corporation


                                              /s/  Julie E. Holland
                                              ----------------------------------
                                                   Julie E. Holland
                                                   Vice President and Treasurer