<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, 1999 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>                              DEC-31-1999
<PERIOD-END>                                   JUN-30-1999
<CASH>                                          20,822,891
<INT-BEARING-DEPOSITS>                         276,421,411
<FED-FUNDS-SOLD>                                15,800,000
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                     34,877,726
<INVESTMENTS-CARRYING>                          70,966,306
<INVESTMENTS-MARKET>                            70,267,378
<LOANS>                                        251,542,899
<ALLOWANCE>                                      3,765,263
<TOTAL-ASSETS>                                 422,480,379
<DEPOSITS>                                     283,383,360
<SHORT-TERM>                                   101,104,529
<LIABILITIES-OTHER>                              5,107,851
<LONG-TERM>                                        941,768
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                            23,144
<OTHER-SE>                                      31,983,727
<TOTAL-LIABILITIES-AND-EQUITY>                 422,480,379
<INTEREST-LOAN>                                  5,060,527
<INTEREST-INVEST>                                  680,966
<INTEREST-OTHER>                                   142,415
<INTEREST-TOTAL>                                 6,865,122
<INTEREST-DEPOSIT>                               2,177,561
<INTEREST-EXPENSE>                               3,580,522
<INTEREST-INCOME-NET>                            3,284,600
<LOAN-LOSSES>                                      150,000
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                  2,822,835
<INCOME-PRETAX>                                    786,897
<INCOME-PRE-EXTRAORDINARY>                         786,897
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                       786,897
<EPS-BASIC>                                         0.35
<EPS-DILUTED>                                         0.35
<YIELD-ACTUAL>                                        7.05
<LOANS-NON>                                      2,882,000
<LOANS-PAST>                                     1,357,000
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                 4,021,000
<CHARGE-OFFS>                                      310,000
<RECOVERIES>                                        68,000
<ALLOWANCE-CLOSE>                                3,536,000
<ALLOWANCE-DOMESTIC>                             3,536,000
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0



</TABLE>