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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
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 Uc9v24PszbLBsJn+Y254NQ==

<SEC-DOCUMENT>0000914317-03-003459.txt : 20031114
<SEC-HEADER>0000914317-03-003459.hdr.sgml : 20031114
<ACCEPTANCE-DATETIME>20031114111547
ACCESSION NUMBER:		0000914317-03-003459
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031023
FILED AS OF DATE:		20031114

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			VAN WINGERDEN ABRAHAM
		CENTRAL INDEX KEY:			0001220114

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-21855
		FILM NUMBER:		031001328

	MAIL ADDRESS:	
		STREET 1:		208 JACKSONVILLE RD
		CITY:			POMPTON PLAINS
		STATE:			NJ
		ZIP:			07444

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			STEWARDSHIP FINANCIAL CORP
		CENTRAL INDEX KEY:			0001023860
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				223351447
		STATE OF INCORPORATION:			NJ
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		630 GODWIN AVE
		CITY:			MIDLAND PARK
		STATE:			NJ
		ZIP:			07432
		BUSINESS PHONE:		2014447100

	MAIL ADDRESS:	
		STREET 1:		603 GODWIN AVE
		CITY:			MIDLAND PARK
		STATE:			NJ
		ZIP:			07432
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>form4-55160_avex.xml
<TEXT>
<XML>
<?xml version="1.0"?>
<!-- - EDGAR Ease Plus 1.0                                   07/25/03  TT    -->
<ownershipDocument>
    <schemaVersion>X0201</schemaVersion>

    <documentType>4</documentType>
   <periodOfReport>2003-10-23</periodOfReport>
   <notSubjectToSection16>0</notSubjectToSection16>
    <issuer>
        <issuerCik>0001023860</issuerCik>
        <issuerName>STEWARDSHIP FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>SSFN.OB</issuerTradingSymbol>
   </issuer>
   <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001220114</rptOwnerCik>
            <rptOwnerName>VAN WINGERDEN ABRAHAM</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>208 JACKSONVILLE RD</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>POMPTON PLAINS</rptOwnerCity>
            <rptOwnerState>NJ</rptOwnerState>
            <rptOwnerZipCode>07444</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
         <isDirector>1</isDirector>
         <isOfficer>0</isOfficer>
         <isTenPercentOwner>0</isTenPercentOwner>
         <isOther>0</isOther>
      </reportingOwnerRelationship>
   </reportingOwner>
 <nonDerivativeTable>
   <nonDerivativeTransaction>
      <securityTitle>
         <value>Stewardship Financial Corporation Common Stock</value>
      </securityTitle>
      <transactionDate>
         <value>2003-10-23</value>
      </transactionDate>
      <transactionCoding>
         <transactionFormType>4</transactionFormType>
         <transactionCode>J</transactionCode>
         <equitySwapInvolved>0</equitySwapInvolved>
      </transactionCoding>
      <transactionAmounts>
         <transactionShares>
           <value>57.143</value>
         </transactionShares>
         <transactionPricePerShare>
           <value>24.50</value>
         </transactionPricePerShare>
         <transactionAcquiredDisposedCode>
           <value>A</value>
         </transactionAcquiredDisposedCode>
      </transactionAmounts>
      <postTransactionAmounts>
         <sharesOwnedFollowingTransaction>
           <value>124398.9997</value>
         </sharesOwnedFollowingTransaction>
      </postTransactionAmounts>
      <ownershipNature>
         <directOrIndirectOwnership>
            <value>D</value>
         </directOrIndirectOwnership>
      </ownershipNature>
   </nonDerivativeTransaction>
 </nonDerivativeTable>
   <ownerSignature>
      <signatureName>/s/ Abe Van Wingerden Ellie King, Power of Attorney</signatureName>
      <signatureDate>2003-10-23</signatureDate>
   </ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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