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):  November 14, 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 2.02.         RESULTS OF OPERATIONS AND FINANCIAL CONDITION.


The information in this section, including the information contained in the
press release included as Exhibit 99.1 hereto, is being furnished pursuant to
this Item 2.02 and shall not deemed to be "filed" for purposes of Section 18 of
the Securities Exchange Act of 1934, as amended, or otherwise subject to the
liabilities of that Section. In addition, this information shall not be deemed
to be incorporated by reference into any of the Registrant's filings with the
Securities and Exchange Commission, except as shall be expressly set forth by
specific reference in any such filing.

On November 14, 2011, the Registrant issued a press release announcing its
operating results for the three months and nine months ended September 30, 2011.
A copy of the November 14, 2011 press release is included as Exhibit 99.1
hereto.

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 November 14, 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: November 15, 2011                     By: /s/ Keith Winchester
                                             ---------------------------------
                                             Keith Winchester
                                             Executive Vice President and
                                             Chief Financial Officer
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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):  November 14, 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 2.02.         RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

The information in this section, including the information contained in the
press release included as Exhibit 99.1 hereto, is being furnished pursuant to
this Item 2.02 and shall not deemed to be "filed" for purposes of Section 18 of
the Securities Exchange Act of 1934, as amended, or otherwise subject to the
liabilities of that Section. In addition, this information shall not be deemed
to be incorporated by reference into any of the Registrant's filings with the
Securities and Exchange Commission, except as shall be expressly set forth by
specific reference in any such filing.

On November 14, 2011, the Registrant issued a press release announcing its
operating results for the three months and nine months ended September 30, 2011.
A copy of the November 14, 2011 press release is included as Exhibit 99.1
hereto.

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 November 14, 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: November 15, 2011                     By: /s/ Keith Winchester
                                             ---------------------------------
                                             Keith Winchester
                                             Executive Vice President and
                                             Chief Financial Officer