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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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 qOo2fh/wS8OmHUiagfu6Ng==

<SEC-DOCUMENT>0000914317-06-003226.txt : 20061212
<SEC-HEADER>0000914317-06-003226.hdr.sgml : 20061212
<ACCEPTANCE-DATETIME>20061212094433
ACCESSION NUMBER:		0000914317-06-003226
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20061101
FILED AS OF DATE:		20061212
DATE AS OF CHANGE:		20061212

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			HOLLAND JULIE E
		CENTRAL INDEX KEY:			0001220121

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-21855
		FILM NUMBER:		061270315

	MAIL ADDRESS:	
		STREET 1:		21 BREAKNECK RD
		CITY:			OAKLAND
		STATE:			NJ
		ZIP:			07436

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:		630 GODWIN AVE
		CITY:			MIDLAND PARK
		STATE:			NJ
		ZIP:			07432
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>form4-80443_jhex.xml
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2006-11-01</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0001023860</issuerCik>
        <issuerName>STEWARDSHIP FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>SSFN</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001220121</rptOwnerCik>
            <rptOwnerName>HOLLAND JULIE E</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>630 GODWIN AVENUE</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>MIDLAND PARK</rptOwnerCity>
            <rptOwnerState>NJ</rptOwnerState>
            <rptOwnerZipCode>07432-1405</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Senior Vice President</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common A</value>
            </securityTitle>
            <transactionDate>
                <value>2006-11-01</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>5</transactionFormType>
                <transactionCode>J</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
                <footnoteId id="F1"/>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>27</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>13.77</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>4647</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common A</value>
            </securityTitle>
            <transactionDate>
                <value>2006-11-15</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>5</transactionFormType>
                <transactionCode>J</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
                <footnoteId id="F2"/>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>231</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>4878</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <footnotes>
        <footnote id="F1">Dividend Reinvestment Plan purchase as a result of cash dividend.</footnote>
        <footnote id="F2">5% Stock Dividend</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>/s/ Mary Beth Steiginga, Power of Attorney  Julie E. Holland</signatureName>
        <signatureDate>2006-12-12</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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