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) February 2, 2004
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Stewardship Financial Corporation
(Exact Name of registrant as specified in its charter)
New Jersey 0-21855 22-3351447
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(State or other jurisdiction of (Commission (IRS Employer
incorporation) File Number) Identification No.)
630 Godwin Avenue, Midland Park, NJ 07432
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code (201) 444-7100
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(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 furnished pursuant to Item 12 and shall not
be deemed to be "filed":
Exhibit No. Description
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Exhibit 99.1 Press Release dated February 2, 2004
Item 12. Results of Operations and Financial Condition
On February 2, 2004, Stewardship Financial Corporation issued a press
release announcing its results for the year ended and quarter ended December 31,
2003. A copy of the press release is attached hereto as Exhibit 99.1.
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: February 4, 2004 Stewardship Financial Corporation
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/s/ Julie E. Holland
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Julie E. Holland
Vice President and Treasurer