SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
Date of Report (Date of earliest event reported) October 22, 2003
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Stewardship Financial Corporation
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(Exact Name of registrant as specified in its charter)
New Jersey 0-21855 22-3351447
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(State or other jurisdiction of (Commission (IRS Employer
incorporation) File Number) Identification No.)
630 Godwin Avenue, Midland Park, NJ 07432
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code (201) 444-7100
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(Former name or former address, if changed since last report)
Item 7. Financial Statements, Pro Forma Financial Information and Exhibits
(c) The following exhibit is filed herewith:
Exhibit 99.1 Press Release dated October 22, 2003
Item 9. Regulation FD Disclosure
On October 22, 2003, Stewardship Financial Corporation issued a press
release announcing its unaudited results for the quarter ended September 30,
2003. A copy of the press release is attached hereto as Exhibit 99.1.
Item 12. Results of Operations and Financial Condition
In accordance with SEC Release No. 33-8216, the information set forth under
"Item 9. Regulation FD Disclosure" is intended to be furnished under "Item 12.
Results of Operations and Financial Condition."
Signatures
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.
Date: October 24, 2003 Stewardship Financial Corporation
/s/ Julie E. Holland
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Julie E. Holland
Vice President and Treasurer