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 and Nos. 333-20793, 333-31245, and 333-87842
on  Form  S-8 of Stewardship Financial Corporation of our report dated March 29,
2006,  with  respect  to  the  consolidated statements of financial condition of
Stewardship  Financial  Corporation  and  subsidiary as of December 31, 2005 and
2004,  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, 2005, which report appears in the December 31, 2005
annual  report  on  Form  10-K  of  Stewardship  Financial  Corporation.

/s/ KPMG

Short  Hills,  New  Jersey
March  29,  2006