<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary financial information extracted from the
balance sheet and the statement of earnings of Carver Bancorp, Inc. for the
three-month period ended June 30, 2000 and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
<CIK>                         0001016178
<NAME>                        CARVER BANCORP, INC.

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          MAR-31-2001
<PERIOD-END>                               JUN-30-2000
<CASH>                                      13,026,977
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                            21,900,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  9,984,733
<INVESTMENTS-CARRYING>                      77,388,245
<INVESTMENTS-MARKET>                        75,124,406
<LOANS>                                    277,455,258
<ALLOWANCE>                                  2,988,567
<TOTAL-ASSETS>                             419,306,640
<DEPOSITS>                                 283,315,254
<SHORT-TERM>                                96,820,343
<LIABILITIES-OTHER>                          5,913,111
<LONG-TERM>                                    507,668
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      1,000
<COMMON>                                        23,144
<OTHER-SE>                                  32,726,120
<TOTAL-LIABILITIES-AND-EQUITY>             419,306,640
<INTEREST-LOAN>                              5,297,881
<INTEREST-INVEST>                            1,575,004
<INTEREST-OTHER>                               209,350
<INTEREST-TOTAL>                             7,082,235
<INTEREST-DEPOSIT>                           2,027,405
<INTEREST-EXPENSE>                           3,392,955
<INTEREST-INCOME-NET>                        3,689,280
<LOAN-LOSSES>                                  469,719
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              3,727,400
<INCOME-PRETAX>                                173,201
<INCOME-PRE-EXTRAORDINARY>                     173,201
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   149,320
<EPS-BASIC>                                       0.04
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    7.26
<LOANS-NON>                                  1,899,353
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              1,237,077
<ALLOWANCE-OPEN>                             2,935,314
<CHARGE-OFFS>                                  418,000
<RECOVERIES>                                     2,031
<ALLOWANCE-CLOSE>                            2,988,567
<ALLOWANCE-DOMESTIC>                         2,988,567
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                      2,153,870


</TABLE>