Form 144
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 144
NOTICE OF PROPOSED SALE OF SECURITIES
PURSUANT TO RULE 144 UNDER THE SECURITIES ACT OF 1933
ATTENTION: Transmit for filing 3 copies of this form concurrently with either placing an order with a broker to execute sale or executing a sale directly with a market maker

             
1(a) NAME OF ISSUER (Please type or print) (b) IRS IDENT. NO. (entities only) (c) SEC FILE NO.  
 
 Stewardship Financial Corporation 
22-3351447 
0001022860 
 
1(d) ADDRESS OF ISSUER                                                   STREEET                              CITY                                      STATE                   ZIP CODE   (e) TELEPHONE NO.
  AREA CODE NUMBER
 
 630 Godwin Avenue, Midland Park NJ 07432 
 201 
 444-7100 
2(a) NAME OF PERSON FOR WHOSE ACCOUNT THE
       SECURITIES ARE TO BE SOLD
(b) SOCIAL SECURITY NO.
       OR IRS IDENT. NO.
(c) RELATIONSHIP TO ISSUER (d) ADDRESS STREET                   CITY                   STATE           ZIP CODE
 
 John L. Steen 

  154-30-5053

  Director
 
  523 Curran Place, Franklin Lakes NJ 07417

INSTRUCTION:    The person filing this notice should contact the issuer to obtain the I.R.S. Identification Number and the SEC File Number.
               
3(a) (b)
SEC USE ONLY
(c) (d) (e) (f) (g)
Title of the
Class of
Securities
to be Sold

Name and Address of Each Broker Through Whome the
Securities are to be Offered or Each Market Maker
who is Aquiring the Securities

Broker-Dealer
File Number
Number of Shares
or Other Units
To Be Sold

(See instr. 3(c))
Aggregate
Market
Value

(See instr. 3(d))
Number of Shares
or Other Units
Outstanding
(See instr. 3(e))
Approximate
Date of Sale

(See instr. 3(f))
(MO.   DAY   YR)
Name of Each
Securities
Exchange

(See instr. 3(f))
 Common   Ryan Beck & Company            
         
 222 Lakeview Avenue
 West Palm Beach FL 33401 
 
3,000
$44,700
 
4,787,627 
 2/22/06 - 5/22/06
 OTC Bulletin Boards
               
               
               
               

INSTRUCTIONS:
                 
1. (a)   Name of issuer   3. (a)   Title of the class of securities to be sold
  (b)   Issuer's I.R.S. Identification Number     (b)   Name and address of each broker through whom the securities are intended to be sold
  (c)   Issuer'S S.E.C. file number, if any     (c)   Number of shares or other units to be sold (if debt securities, give the aggregate face amount)
  (d)   Issuer's address, including zip code     (d)   Aggregate market value of the securities to be sold as of a specified date within 10 days prior to the filing of this notice
  (e)   Issuer's telephone number, including area code     (e)   Number of shares or other units of the class outstanding, or if debit securities the face amount thereof outstanding, as shown by the most recent report or statement published by the issuer
2. (a)   Name of person for whose account the securities are to be sold     (f)   Approximate date on which the securities are to be sold
  (b)   Such person's I.R.S. identification number, if such person is an entity     (g)   Name of each securities exchange, if any, on which the securities are intended to be sold
  (c)   Such person's relationship to the issuer (e.g., officer, director, 10% stockholder, or member of immediate family of any of the foregoing)          
  (d)   Such person's address, including zip code          



TABLE I — SECURITIES TO BE SOLD
Furnish the following information with respect to the acquisition of the securities to be sold
and with respect to the payment of all or any part of the purchase price or other consideration therefor:
             
Title of
the Class
Date You
Acquired

Nature of Acquisition Transaction
Name of Person from Whom Acquired
(If gift, also give date donor acquired)
Amount of
Securities Acquired
Date of
Payment

Nature of Payment
             
 Common
  3/15/2001
 Dividend Reinvestment Plan
 n/a
 4330
 n/a
 n/a
             
             
             
             
             
               
INSTRUCTIONS: 1.   If the securities were purchased and full payment therefore was not made in cash at the time of purchase, explain in the table or in a note thereto the nature of the consideration given. If the consideration consisted of any note or other obligation, or if payment was made in installments describe the arrangement and state when the note or other obligation was discharged in full or the last installment paid.   2.   If within two years after the acquisition of the securities the person for whose account they are to be sold had any short positions, put or other option to dispose of securities referred to in paragraph (d)(3) of Rule 144, furnish full information with respect thereto.
               
               

TABLE II — SECURITIES SOLD DURING THE PAST 3 MONTHS
Furnish the following information as to all securities of the issuer sold during the past 3 months by the person for whose account the securities are to be sold.
         

Name and Address of Seller

Title of Securities Sold

Date of Sale
Amount of
Securities Sold

Gross Proceeds
         
         
         
         
         
         
         
REMARKS:

 
 
INSTRUCTIONS:   ATTENTION:
     
See the definition of "person" in paragraph (a) of Rule 144. Information is to be given not only as to the person for whose account the securities are to be sold but also as to sales by all persons whose sales are required by paragraph (e) of Rule 144 to be aggregated with sales for the account of the person filing this notice.
 
The person for whose account the securities to which this notice relates are to sold hereby represents by signing this notice that he does not know any material adverse information in regard to the current and prospective operations of the Issuer of the securities to be sold which have not been publicly disclosed.
     
 2/22/06
 
 /s/ John L. Steen

(DATE OF NOTICE)
 

(SIGNATURE)

The notice shall be signed by the person for whose account the securities are to be sold. At least one copy of the notice shall be manually signed.
Any copies not manually signed shall bear typed or printed signatures.

 
ATTENTION: Intentional misstatements or omission of facts constitute Federal Criminal Violations (See 18 U.S.C. 1001)