UNITED STATES
                       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):  August 18, 2011
                                                          ---------------

                       CORNERSTONE FINANCIAL CORPORATION
                       ---------------------------------
             (Exact name of registrant as specified in its charter)

       NEW JERSEY                    000-53576               80-0282551
       ----------                    ---------               ----------
(State or other jurisdiction         (Commission          (IRS Employer
of incorporation)                    File Number)         Identification No.)

        6000 MIDLANTIC DRIVE
      MT. LAUREL, NEW JERSEY 08054                          08054
---------------------------------------                     -----
(Address of principal executive offices)                  (Zip Code)

       Registrant's telephone number, including area code (856) 439-0300

[ ] Written communications pursuant to Rule 425 under the Securities Act
    (17 CFR 230.425)

[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act
    (17 CFR 240.14a-12)

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
    Exchange Act (17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the
    Exchange Act (17 CFR 240.13e-4(c))

<PAGE>

ITEM  5.02  DEPARTURE OF DIRECTORS OR CERTAIN OFFICERS; ELECTION OF DIRECTORS;
            APPOINTMENT OF CERTAIN OFFICERS; COMPENSATORY ARRANGEMENTS OF
            CERTAIN OFFICERS.

(c)  The  Registrant  announced  on  August  18,  2011,  that Scott Kintzing was
appointed Executive Vice President and Market President of Cornerstone Bank, the
Registrant's wholly-owned subsidiary ("Cornerstone Bank").  In his new role, Mr.
Kintzing  will  lead  Cornerstone Bank's Commercial Banking Division.  The table
below  sets  forth  certain  information  about  Mr.  Kintzing:

<TABLE>
<CAPTION>
                                   PRINCIPAL  OCCUPATION  FOR
NAME AND POSITION      AGE         THE PAST FIVE YEARS                OFFICER SINCE             TERM EXPIRES
------------------------------------------------------------------------------------------------------------
<S>                   <C>                     <C>                          <C>                      <C>
Scott  Kintzing        58            President, Chief Executive            1997                    N/A (1)
Executive Vice                       Officer Vice Chairman and
President and                        Chairman of The  Bank,
Market President                     part of the Fulton
                                     Financial Corporation.

                                     Vice Chairman and President
                                     of the New Jersey Division of
                                     Fulton Financial Corporation          2008
------------------------------------------------------------------------------------------------------------
</TABLE>

(1)  Officers  serve  at  the  pleasure  of  the  Board  of  Directors

There  are  no arrangements or understandings between Mr. Kintzing and any other
persons  pursuant to which Mr. Kintzing was selected as Executive Vice President
and  Market  President.  Mr.  Kintzing has no family relationship with any other
director or executive officer of the Registrant or of Cornerstone Bank, nor with
any  person  nominated  or chosen to serve as a director or executive officer of
the  Registrant  or  Cornerstone  Bank.  Mr.  Kintzing  is not a director of any
company  with  a  class  of securities registered pursuant to section 12, of the
Securities  Exchange  Act  of  1934,  as  amended  (the  "Act"),  subject to the
requirements of section 15(d) of the Act, or of any company under the Investment
Company  Act  of  1940.

There  are  no  "related  party  transactions"  between  Mr.  Kintzing  and  the
Registrant  or  Cornerstone  Bank  except  for transactions made in the ordinary
course of business on substantially the same terms, including interest rates and
collateral,  as  those  prevailing  at the time for comparable transactions, and
does  not  involve  more than the normal risk of collectibility or present other
unfavorable  features.

Although  the  Registrant  and  Cornerstone  Bank are not parties to any written
employment agreement with Mr. Kintzing, and he is an employee at-will serving at
the  pleasure  of the Board of Directors, Cornerstone Bank agreed to provide Mr.
Kintzing  with  the  following  as  a  condition  to  his  employment:

         1)       An annual salary for the balance of 2011 of $225,000, payable
                  in accordance with Cornerstone Bank's usually payroll method;
         2)       A bonus payment for the year ended December 31, 2011 equal to
                  25 basis points for each loan closed and funded from date of
                  hire through December 31, 2011, with a maximum of $25,000;
         3)       In January and February of 2012, his salary shall be equal to
                  the prorated portion of an annual salary of $225,000 plus 80%
                  of the bonus paid in accordance with number 2 above, payable
                  in accordance with Cornerstone Bank's usual payroll method;
                  his salary will be reevaluated with all other executives of
                  Cornerstone Bank in March 2012;
         4)       A signing bonus of $10,000;
         5)       A grant of 6,000 stock options in January 2012 vesting over a
                  three year period; and
         6)       An automobile allowance of $9,500 per year.

<PAGE>


ITEM  9.01  FINANCIAL  STATEMENTS  AND  EXHIBITS


(d)  Exhibits.  The  following  is  filed  as  an Exhibit to this Current Report
on Form 8-K:

         99.1         Press  Release  dated  August  18,  2011



                                   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.




                                             CORNERSTONE  FINANCIAL  CORPORATION
                                             -----------------------------------
                                             (Registrant)

Dated:  August  22,  2011                    By: /s/ Keith  Winchester
                                                 -------------------------------
                                                 Keith  Winchester
                                                 Executive Vice President and
                                                 Chief Financial Officer
[{"type": "8-K", "sequence": "1", "filename": "cornerstone_8k.txt", "secsgml_size_bytes": 7050}]
{"company-data": {"conformed-name": "Cornerstone Financial Corp", "cik": "0001448324", "assigned-sic": "6021", "irs-number": "800282551", "state-of-incorporation": "NJ", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-53576", "film-number": "111051374"}, "business-address": {"street1": "6000 MIDLANTIC DRIVE", "street2": "SUITE 120S", "city": "MOUNT LAUREL", "state": "NJ", "zip": "08054", "phone": "(856) 439-0300"}, "mail-address": {"street1": "6000 MIDLANTIC DRIVE", "street2": "SUITE 120S", "city": "MOUNT LAUREL", "state": "NJ", "zip": "08054"}}
UNITED STATES
                       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):  August 18, 2011
                                                          ---------------

                       CORNERSTONE FINANCIAL CORPORATION
                       ---------------------------------
             (Exact name of registrant as specified in its charter)

       NEW JERSEY                    000-53576               80-0282551
       ----------                    ---------               ----------
(State or other jurisdiction         (Commission          (IRS Employer
of incorporation)                    File Number)         Identification No.)

        6000 MIDLANTIC DRIVE
      MT. LAUREL, NEW JERSEY 08054                          08054
---------------------------------------                     -----
(Address of principal executive offices)                  (Zip Code)

       Registrant's telephone number, including area code (856) 439-0300

[ ] Written communications pursuant to Rule 425 under the Securities Act
    (17 CFR 230.425)

[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act
    (17 CFR 240.14a-12)

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
    Exchange Act (17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the
    Exchange Act (17 CFR 240.13e-4(c))
ITEM  5.02  DEPARTURE OF DIRECTORS OR CERTAIN OFFICERS; ELECTION OF DIRECTORS;
            APPOINTMENT OF CERTAIN OFFICERS; COMPENSATORY ARRANGEMENTS OF
            CERTAIN OFFICERS.

(c)  The  Registrant  announced  on  August  18,  2011,  that Scott Kintzing was
appointed Executive Vice President and Market President of Cornerstone Bank, the
Registrant's wholly-owned subsidiary ("Cornerstone Bank").  In his new role, Mr.
Kintzing  will  lead  Cornerstone Bank's Commercial Banking Division.  The table
below  sets  forth  certain  information  about  Mr.  Kintzing:
PRINCIPAL  OCCUPATION  FOR
NAME AND POSITION      AGE         THE PAST FIVE YEARS                OFFICER SINCE             TERM EXPIRES
------------------------------------------------------------------------------------------------------------
Scott  Kintzing        58            President, Chief Executive            1997                    N/A (1)
Executive Vice                       Officer Vice Chairman and
President and                        Chairman of The  Bank,
Market President                     part of the Fulton
                                     Financial Corporation.

                                     Vice Chairman and President
                                     of the New Jersey Division of
                                     Fulton Financial Corporation          2008
------------------------------------------------------------------------------------------------------------
(1)  Officers  serve  at  the  pleasure  of  the  Board  of  Directors

There  are  no arrangements or understandings between Mr. Kintzing and any other
persons  pursuant to which Mr. Kintzing was selected as Executive Vice President
and  Market  President.  Mr.  Kintzing has no family relationship with any other
director or executive officer of the Registrant or of Cornerstone Bank, nor with
any  person  nominated  or chosen to serve as a director or executive officer of
the  Registrant  or  Cornerstone  Bank.  Mr.  Kintzing  is not a director of any
company  with  a  class  of securities registered pursuant to section 12, of the
Securities  Exchange  Act  of  1934,  as  amended  (the  "Act"),  subject to the
requirements of section 15(d) of the Act, or of any company under the Investment
Company  Act  of  1940.

There  are  no  "related  party  transactions"  between  Mr.  Kintzing  and  the
Registrant  or  Cornerstone  Bank  except  for transactions made in the ordinary
course of business on substantially the same terms, including interest rates and
collateral,  as  those  prevailing  at the time for comparable transactions, and
does  not  involve  more than the normal risk of collectibility or present other
unfavorable  features.

Although  the  Registrant  and  Cornerstone  Bank are not parties to any written
employment agreement with Mr. Kintzing, and he is an employee at-will serving at
the  pleasure  of the Board of Directors, Cornerstone Bank agreed to provide Mr.
Kintzing  with  the  following  as  a  condition  to  his  employment:

         1)       An annual salary for the balance of 2011 of $225,000, payable
                  in accordance with Cornerstone Bank's usually payroll method;
         2)       A bonus payment for the year ended December 31, 2011 equal to
                  25 basis points for each loan closed and funded from date of
                  hire through December 31, 2011, with a maximum of $25,000;
         3)       In January and February of 2012, his salary shall be equal to
                  the prorated portion of an annual salary of $225,000 plus 80%
                  of the bonus paid in accordance with number 2 above, payable
                  in accordance with Cornerstone Bank's usual payroll method;
                  his salary will be reevaluated with all other executives of
                  Cornerstone Bank in March 2012;
         4)       A signing bonus of $10,000;
         5)       A grant of 6,000 stock options in January 2012 vesting over a
                  three year period; and
         6)       An automobile allowance of $9,500 per year.
ITEM  9.01  FINANCIAL  STATEMENTS  AND  EXHIBITS

(d)  Exhibits.  The  following  is  filed  as  an Exhibit to this Current Report
on Form 8-K:

         99.1         Press  Release  dated  August  18,  2011

                                   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.

                                             CORNERSTONE  FINANCIAL  CORPORATION
                                             -----------------------------------
                                             (Registrant)

Dated:  August  22,  2011                    By: /s/ Keith  Winchester
                                                 -------------------------------
                                                 Keith  Winchester
                                                 Executive Vice President and
                                                 Chief Financial Officer