Exhibit 23

Consent of Independent Registered Public Accounting Firm

The Board of Directors
Stewardship Financial Corporation:

We consent to the incorporation by reference in the registration  statement Nos.
333-20699 and 333-54738 on Form S-3, 333-20793,  333-31245 and 333-87842 on Form
S-8 of  Stewardship  Financial  Corporation  of our report dated March 25, 2005,
with  respect  to  the  consolidated   statements  of  financial   condition  of
Stewardship  Finanical Corporation and subsidiary of December 31, 2004 and 2003,
and the related  consolidated  statements  of income,  changes in  stockholders'
equity,  and cash  flows for each of the years in the  three-year  period  ended
December 31, 2004, which report appears in the December 31, 2004,  annual report
on Form 10-K of Stewardship Financial Corporation.

                                  /s/ KPMG LLP


Short Hills, New Jersey
March 30, 2005