Exhibit 21

Stewardship Financial Corporation

SUBSIDIARIES OF THE REGISTRANT

		Percentage	State
		of	of Incorporation
Parent	Subsidiary	Ownership	or Organization
Stewardship Financial Corporation	Atlantic Stewardship Bank	100%	New Jersey
Stewardship Financial Corporation	Stewardship Statutory Trust I	100%	Delaware
Atlantic Stewardship Bank	Stewardship Investment Corporation	100%	New Jersey
Atlantic Stewardship Bank	Stewardship Realty, LLC	100%	New Jersey
Atlantic Stewardship Bank	Atlantic Stewardship Insurance Co., LLC	100%	New Jersey