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
Atlantic Stewardship Bank	First Presidential Properties LLC	100%	New Jersey
Atlantic Stewardship Bank	Valley View Properties I LLC	100%	New Jersey
Atlantic Stewardship Bank	Triangle Corners LLC	100%	New Jersey
Atlantic Stewardship Bank	Blue Meadow LLC	100%	New Jersey
Atlantic Stewardship Bank	Haledon Park LLC	100%	New Jersey
Atlantic Stewardship Bank	Sparrow Holdings LLC	100%	New Jersey
Atlantic Stewardship Bank	Elsie Properties LLC	100%	New Jersey
Atlantic Stewardship Bank	Foundation Realty LLC	100%	New Jersey