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        Form 144
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      <div align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="3">UNITED
        STATES<br>SECURITIES AND EXCHANGE COMMISSION<br>Washington, D.C.
        20549 </font></div><!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Workstation"
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      <div align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="4">FORM
        144 </font></div><!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Workstation"
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      <div align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="3">NOTICE
        OF PROPOSED SALE OF SECURITIES<br>PURSUANT TO RULE 144 UNDER THE
        SECURITIES ACT OF 1933 </font></div><!-- MARKER FORMAT-SHEET="Para Hang Lv 0-TNR" FSL="Workstation"
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              <td width="10%"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2"><strong>ATTENTION:</strong></font></td>
              <td width="90%"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2"><strong><i>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</i></strong></font></td>
            </tr>
  
        </table>
      </div><br>
      <div>
        <table cellpadding="0" cellspacing="0" width="100%">
  
            <tr valign="top">
              <td width="14%">&#160;</td>
              <td width="15%">&#160;</td>
              <td width="14%">&#160;</td>
              <td width="17%">&#160;</td>
              <td width="14%">&#160;</td>
              <td width="13%">&#160;</td>
              <td width="13%">&#160;</td>
            </tr>
            <tr valign="top">
              <td colspan="3" style="border-top: black 2px solid; border-left: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">1<i>(a)
  </i>NAME
                OF ISSUER <i>(Please type or print)</i></font></td>
              <td style="border-top: black 2px solid; border-left: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1"><i>(b)
  </i>IRS
                IDENT. NO. </font><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1"><i>(entities
                only)</i></font></td>
              <td style="border-right: black 2px solid; border-top: black 2px solid; border-left: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1"><i>(c)
  </i>SEC
                FILE NO. </font></td>
              <td colspan="2" style="border-right: black 2px solid; border-top: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">&#160;</font></td>
            </tr>
            <tr valign="top">
              <td colspan="3" valign="middle" style="border-left: black 2px solid; border-bottom: black 2px solid;">
                <div>&#160;</div>
                <div><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;Stewardship
                  Financial Corporation&#160;</font></div>
              </td>
              <td valign="bottom" style="border-left: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">22-3351447&#160;</font></div>
              </td>
              <td valign="bottom" style="border-right: black 2px solid; border-left: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">0001022860&#160;</font></div>
              </td>
              <td colspan="2" style="border-right: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
            </tr>
            <tr valign="top">
              <td colspan="5" style="border-right: black 2px solid; border-left: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">1<i>(d)
  </i>ADDRESS
                OF ISSUER
                &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
                &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
                &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;STREEET&#160;&#160;&#160;
                &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
                &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
                CITY&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
                &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
                STATE
                &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;ZIP
                CODE </font></td>
              <td colspan="2" style="border-right: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">&#160;&#160;<i>(e)
  </i>TELEPHONE
                NO.</font></td>
            </tr>
            <tr valign="top">
              <td colspan="5" style="border-right: black 2px solid; border-left: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">&#160;</font></td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">AREA
                CODE</font></td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">NUMBER</font></td>
            </tr>
            <tr valign="top">
              <td colspan="5" valign="bottom" style="border-right: black 2px solid; border-left: black 2px solid; border-bottom: black 2px solid;">
                <div>&#160;</div>
                <div><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;630
                  Godwin Avenue, Midland Park NJ
                  07432&#160;</font></div>
              </td>
              <td valign="bottom" style="border-right: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;201&#160;</font></div>
              </td>
              <td valign="bottom" style="border-right: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;444-7100&#160;</font></div>
              </td>
            </tr>
            <tr valign="top">
              <td colspan="2" style="border-right: black 2px solid; border-left: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">2<i>(a)</i>
                NAME OF PERSON FOR WHOSE ACCOUNT
                THE<br>&#160;&#160;&#160;&#160;&#160;&#160;&#160;SECURITIES ARE TO BE SOLD
                </font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1"><i>(b)
                </i>SOCIAL SECURITY NO.<br>&#160;&#160;&#160;&#160;&#160;&#160;&#160;OR
                IRS IDENT. NO. </font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1"><i>(c)
                </i>RELATIONSHIP TO ISSUER </font></td>
              <td colspan="3" style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1"><i>(d)
                </i>ADDRESS STREET&#160;&#160;&#160;&#160;&#160;&#160;&#160;
                &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;CITY
                &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;STATE&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;ZIP
                CODE </font></td>
            </tr>
            <tr valign="top">
              <td colspan="2" style="border-right: black 2px solid; border-left: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;<br>&#160;John
                L. Steen&#160;</font></td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2"><br>&#160;
  ###-##-####</font></div>
              </td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2"><br>&#160;
  Director</font></div>
              </td>
              <td colspan="3" style="border-right: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;<br>&#160;
  523
                Curran Place, Franklin Lakes NJ
                07417</font></td>
            </tr>
  
        </table>
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      <div align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2"><i>INSTRUCTION:&#160;&#160;&#160;&#160;The
        person filing this notice
        should contact the issuer to obtain the I.R.S. Identification Number and the
        SEC
        File Number.</i></font></div>
      <div>
        <table border="0" cellpadding="0" cellspacing="0" width="100%">
  
            <tr valign="top">
              <td width="10%">&#160;</td>
              <td width="30%">&#160;</td>
              <td width="10%">&#160;</td>
              <td width="10%">&#160;</td>
              <td width="10%">&#160;</td>
              <td width="10%">&#160;</td>
              <td width="10%">&#160;</td>
              <td width="10%">&#160;</td>
            </tr>
            <tr valign="top">
              <td style="border-right: black 2px solid; border-top: black 2px solid; border-left: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">3<i>(a)</i></font></td>
              <td style="border-right: black 2px solid; border-top: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1"><i>(b)</i></font></td>
              <td style="border-right: black 2px solid; border-top: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1"><strong>SEC
                  USE ONLY</strong></font></div>
              </td>
              <td style="border-right: black 2px solid; border-top: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1"><i>(c)</i></font></td>
              <td style="border-right: black 2px solid; border-top: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1"><i>(d)</i></font></td>
              <td style="border-right: black 2px solid; border-top: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1"><i>(e)</i></font></td>
              <td style="border-right: black 2px solid; border-top: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1"><i>(f)</i></font></td>
              <td style="border-right: black 2px solid; border-top: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1"><i>(g)</i></font></td>
            </tr>
            <tr valign="top">
              <td style="border-right: black 2px solid; border-left: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1"><strong>Title
                  of the<br>Class of <br>Securities <br>to be
                  Sold</strong></font></div>
              </td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1"><br><strong>Name
                  and Address of Each Broker Through Whome
                  the<br>Securities are to be Offered or Each Market Maker<br>who is
                  Aquiring the Securities</strong></font></div>
              </td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1"><br><strong>Broker-Dealer
  <br>File
                  Number</strong></font></div>
              </td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1"><strong>Number
                  of Shares<br>or Other Units<br>To Be Sold
                  </strong><br><i>(See instr. 3(c))</i></font></div>
              </td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1"><strong>Aggregate
  <br>Market<br>Value
  </strong><br><i>(See
                  instr.
                  3(d))</i></font></div>
              </td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1"><strong>Number
                  of Shares <br>or Other Units <br>Outstanding
                  <br></strong><i>(See instr. 3(e))</i></font></div>
              </td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1"><strong>Approximate
  <br>Date
                  of Sale</strong><br><i>(See instr.
                  3(f))</i><br>(MO.&#160;&#160;&#160;DAY&#160;&#160;&#160;YR)
                  </font></div>
              </td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1"><strong>Name
                  of Each<br>Securities<br>Exchange</strong><br><i>(See
                  instr. 3(f))</i></font></div>
              </td>
            </tr>
            <tr valign="top">
              <td style="border-right: black 2px solid; border-left: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">&#160;<font size="3">Common&#160;</font></font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;<font size="3">Ryan
                Beck &amp; Company</font></font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
            </tr>
            <tr valign="top">
              <td style="border-right: black 2px solid; border-left: black 2px solid; border-bottom: black 2px solid;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
                </td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;">
                <div><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;<font size="3">222
                  Lakeview Avenue</font></font></div>
                <div>&#160;West Palm Beach FL 33401&#160;</div>
              </td>
              <td valign="top" style="border-right: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;</div>
              </td>
              <td valign="top" style="border-right: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">
                  <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif">3,000</font></div>
                </div>
              </td>
              <td valign="top" style="border-right: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">
                  <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">
                    <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2"><font size="3">$44,700</font></font></div>
                  </div>&#160;</div>
              </td>
              <td valign="top" style="border-right: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2"><font size="3">4,787,627</font>&#160;</font></div>
              </td>
              <td valign="top" style="border-right: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;<font size="3">2/22/06
                  - 5/22/06</font></font></div>
              </td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;<font size="3">OTC
                  Bulletin Boards</font></font></div>
              </td>
            </tr>
            <tr valign="top">
              <td style="border-right: black 2px solid; border-left: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
            </tr>
            <tr valign="top">
              <td style="border-right: black 2px solid; border-left: black 2px solid; border-bottom: black 2px solid;">&#160;</td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
            </tr>
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              <td style="border-right: black 2px solid; border-left: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">&#160;</font></td>
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              <td style="border-right: black 2px solid; border-left: black 2px solid; border-bottom: black 2px solid;">&#160;</td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
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              <td style="border-right: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
            </tr>
  
        </table>
      </div><br>
      <div>
        <table border="0" cellpadding="0" cellspacing="0" width="100%">
  
            <tr valign="bottom">
              <th align="left" colspan="9"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">INSTRUCTIONS:</font></th>
            </tr>
            <tr valign="top">
              <td width="1%">&#160;</td>
              <td width="1%">&#160;</td>
              <td width="1%">&#160;</td>
              <td width="40%">&#160;</td>
              <td width="1%">&#160;</td>
              <td width="1%">&#160;</td>
              <td width="1%">&#160;</td>
              <td width="1%">&#160;</td>
              <td width="53%">&#160;</td>
            </tr>
            <tr valign="top">
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              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">(a)</font></td>
              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">Name
                of issuer</font></td>
              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">3.
                </font></td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">(a)
                </font></td>
              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">Title
                of the class of securities to be sold </font></td>
            </tr>
            <tr valign="top">
              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">(b)
                </font></td>
              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">Issuer's
                I.R.S. Identification Number </font></td>
              <td>&#160;</td>
              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">(b)
                </font></td>
              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">Name
                and address of each broker through whom the securities are intended
                to be
                sold </font></td>
            </tr>
            <tr valign="top">
              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">(c)
                </font></td>
              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">Issuer'S
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              <td>&#160;</td>
              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">(c)
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              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">Number
                of shares or other units to be sold (if debt securities, give the
                aggregate face amount) </font></td>
            </tr>
            <tr valign="top">
              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">(d)
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              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">Issuer's
                address, including zip code </font></td>
              <td>&#160;</td>
              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">(d)
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              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">Aggregate
                market value of the securities to be sold as of a
                specified date within 10 days prior to the filing of this notice
                </font></td>
            </tr>
            <tr valign="top">
              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">(e)
                </font></td>
              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">Issuer's
                telephone number, including area code </font></td>
              <td>&#160;</td>
              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">(e)
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              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">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 </font></td>
            </tr>
            <tr valign="top">
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">2.
                </font></td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">(a)
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              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">Name
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              <td>&#160;</td>
              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">(f)
                </font></td>
              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">Approximate
                date on which the securities are to be sold
                </font></td>
            </tr>
            <tr valign="top">
              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">(b)
                </font></td>
              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">Such
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                </font></td>
              <td>&#160;</td>
              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">(g)
                </font></td>
              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">Name
                of each securities exchange, if any, on which the securities are intended
                to be sold </font></td>
            </tr>
            <tr valign="top">
              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">(c)
                </font></td>
              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">Such
                person's relationship to the issuer (e.g., officer, director, 10%
                stockholder, or member of immediate family of any of the foregoing)
                </font></td>
              <td>&#160;</td>
              <td>&#160;</td>
              <td>&#160;</td>
              <td>&#160;</td>
              <td>&#160;</td>
            </tr>
            <tr valign="top">
              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">(d)</font></td>
              <td>&#160;</td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">Such
                person's address, including zip code </font></td>
              <td>&#160;</td>
              <td>&#160;</td>
              <td>&#160;</td>
              <td>&#160;</td>
              <td>&#160;</td>
            </tr>
  
        </table>
      </div><br><br>
      <hr style="PAGE-BREAK-AFTER: always; COLOR: #808080" size="5"><!-- MARKER FORMAT-SHEET="Head
      Major Center Bold-TNR" FSL="Workstation" -->
  
      <div align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="3">TABLE
        I &#8212; SECURITIES TO BE SOLD </font></div><!-- MARKER FORMAT-SHEET="Head Center Italic-TNR" FSL="Workstation"
  -->
  
      <div align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2"><i>Furnish
        the following information with respect to the acquisition of
        the securities to be sold<br>and with respect to the payment of all or any part
        of the purchase price or other consideration therefor: </i></font></div>
      <div>
        <table border="0" cellpadding="0" cellspacing="0" width="100%">
  
            <tr valign="top">
              <td width="10%">&#160;</td>
              <td width="10%">&#160;</td>
              <td width="25%">&#160;</td>
              <td width="25%">&#160;</td>
              <td width="10%">&#160;</td>
              <td width="10%">&#160;</td>
              <td width="10%">&#160;</td>
            </tr>
            <tr valign="top">
              <td style="border-right: black 2px solid; border-top: black 2px solid; border-left: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">Title
                  of <br>the Class</font></div>
              </td>
              <td style="border-right: black 2px solid; border-top: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">Date
                  You<br>Acquired</font></div>
              </td>
              <td style="border-right: black 2px solid; border-top: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1"><br>Nature
                  of Acquisition Transaction</font></div>
              </td>
              <td style="border-right: black 2px solid; border-top: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">Name
                  of Person from Whom Acquired<br><i>(If gift, also give date
                  donor acquired)</i></font></div>
              </td>
              <td style="border-right: black 2px solid; border-top: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">Amount
                  of<br>Securities Acquired</font></div>
              </td>
              <td style="border-right: black 2px solid; border-top: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">Date
                  of<br>Payment</font></div>
              </td>
              <td style="border-right: black 2px solid; border-top: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1"><br>Nature
                  of Payment</font></div>
              </td>
            </tr>
            <tr valign="top">
              <td style="border-right: black 2px solid; border-left: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
            </tr>
            <tr valign="top">
              <td style="border-right: black 2px solid; border-left: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;Common</font></td>
              <td style="border-right: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;
  3/15/2001</font></div>
              </td>
              <td style="border-right: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;Dividend
                  Reinvestment Plan</font></div>
              </td>
              <td style="border-right: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;n/a</font></div>
              </td>
              <td style="border-right: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;4330</font></div>
              </td>
              <td style="border-right: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;n/a</font></div>
              </td>
              <td style="border-right: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;n/a</font></div>
              </td>
            </tr>
            <tr valign="top">
              <td style="border-right: black 2px solid; border-left: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
            </tr>
            <tr valign="top">
              <td style="border-right: black 2px solid; border-left: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
            </tr>
            <tr valign="top">
              <td style="border-right: black 2px solid; border-left: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
            </tr>
            <tr valign="top">
              <td style="border-right: black 2px solid; border-left: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
            </tr>
            <tr valign="top">
              <td style="border-right: black 2px solid; border-left: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
            </tr>
  
        </table>
      </div>
      <div>
        <table border="0" cellpadding="0" cellspacing="0" width="100%">
  
            <tr valign="top">
              <td width="12%">&#160;</td>
              <td width="1%">&#160;</td>
              <td width="1%">&#160;</td>
              <td width="40%">&#160;</td>
              <td width="4%">&#160;</td>
              <td width="1%">&#160;</td>
              <td width="1%">&#160;</td>
              <td width="40%">&#160;</td>
            </tr>
            <tr valign="top">
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2"><strong>INSTRUCTIONS:</strong></font></td>
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              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">If
                the
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                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. </font></td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
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              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="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. </font></td>
            </tr>
            <tr valign="top">
              <td>&#160;</td>
              <td>&#160;</td>
              <td>&#160;</td>
              <td>&#160;</td>
              <td>&#160;</td>
              <td>&#160;</td>
              <td>&#160;</td>
              <td>&#160;</td>
            </tr>
            <tr valign="top">
              <td>&#160;</td>
              <td>&#160;</td>
              <td>&#160;</td>
              <td>&#160;</td>
              <td>&#160;</td>
              <td>&#160;</td>
              <td>&#160;</td>
              <td>&#160;</td>
            </tr>
  
        </table>
      </div>
      <hr style="COLOR: #000000" size="2"><!-- MARKER FORMAT-SHEET="Head Major Center
      Bold-TNR"
      FSL="Workstation" -->
  
      <div align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="3">TABLE
        II &#8212; SECURITIES SOLD DURING THE PAST 3 MONTHS </font></div><!-- MARKER FORMAT-SHEET="Head Center Italic-TNR" FSL="Workstation"
  -->
  
      <div align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2"><i>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. </i></font></div>
      <div>
        <table border="0" cellpadding="0" cellspacing="0" width="100%">
  
            <tr valign="top">
              <td width="40%">&#160;</td>
              <td width="20%">&#160;</td>
              <td width="10%">&#160;</td>
              <td width="10%">&#160;</td>
              <td width="20%">&#160;</td>
            </tr>
            <tr valign="top">
              <td style="border-right: black 2px solid; border-top: black 2px solid; border-left: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1"><br>Name
                  and Address of Seller </font></div>
              </td>
              <td style="border-right: black 2px solid; border-top: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1"><br>Title
                  of Securities Sold </font></div>
              </td>
              <td style="border-right: black 2px solid; border-top: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1"><br>Date
                  of Sale </font></div>
              </td>
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                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">Amount
                  of<br>Securities Sold </font></div>
              </td>
              <td style="border-right: black 2px solid; border-top: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1"><br>Gross
                  Proceeds </font></div>
              </td>
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              <td style="border-right: black 2px solid; border-left: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
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              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
            </tr>
            <tr valign="top">
              <td style="border-right: black 2px solid; border-left: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
            </tr>
            <tr valign="top">
              <td style="border-right: black 2px solid; border-left: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
            </tr>
            <tr valign="top">
              <td style="border-right: black 2px solid; border-left: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
            </tr>
            <tr valign="top">
              <td style="border-right: black 2px solid; border-left: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
            </tr>
            <tr valign="top">
              <td style="border-right: black 2px solid; border-left: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
            </tr>
            <tr valign="top">
              <td style="border-right: black 2px solid; border-left: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td style="border-right: black 2px solid; border-bottom: black 2px solid;"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
            </tr>
  
        </table>
      </div><!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Workstation" -->
  
      <div align="left"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2"><strong>REMARKS:</strong></font></div><!--
      MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Workstation" -->
  
      <div><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2"><br>&#160;<br>&#160;<br></font></div>
      <div>
        <table border="0" cellpadding="0" cellspacing="0" width="100%">
  
            <tr valign="bottom">
              <th align="left"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">INSTRUCTIONS:</font></th>
              <th>&#160;</th>
              <th align="left"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">ATTENTION:</font></th>
            </tr>
            <tr valign="top">
              <td width="45%">&#160;</td>
              <td width="5%">&#160;</td>
              <td width="50%">&#160;</td>
            </tr>
            <tr valign="top">
              <td>
                <div align="justify"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">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. </font></div>
              </td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td>
                <div align="justify"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2"><i>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.</i></font></div>
              </td>
            </tr>
            <tr valign="top">
              <td>&#160;</td>
              <td>&#160;</td>
              <td>&#160;</td>
            </tr>
            <tr valign="top">
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;2/22/06</font></div>
              </td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;<em>/s/
                  John L. Steen</em></font></div>
              </td>
            </tr>
            <tr valign="top">
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">
                  <hr style="COLOR: #000000" size="1" width="75%"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">(DATE
                  OF
                  NOTICE)</font></div>
              </td>
              <td><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2">&#160;</font></td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">
                  <hr style="COLOR: #000000" size="1" width="75%"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="1">(SIGNATURE)</font></div>
              </td>
            </tr>
            <tr valign="top">
              <td colspan="3">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="2"><br><i>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.<br>Any copies not manually signed shall bear typed or
                  printed signatures.</i><br>&#160; </font></div>
              </td>
            </tr>
            <tr valign="top">
              <td colspan="3" style="border-right: black 2px solid; border-top: black 2px solid; border-left: black 2px solid; border-bottom: black 2px solid;">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="FONT-FAMILY: Times New Roman, Times, Serif" size="3"><strong>ATTENTION:
                  Intentional misstatements or omission of facts
                  constitute Federal Criminal Violations (See 18 U.S.C.
                  1001)</strong></font></div>
              </td>
            </tr>
  
        </table>
      </div>
    </body>
  </html>
metadata_documents: [{"type": "144", "sequence": "1", "filename": "form144-73859_js.htm", "description": "FORM 144", "secsgml_size_bytes": 60981}]
text: 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
  ###-##-####
  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)