<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
period at and ending December 31, 1996 and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              MAR-31-1997
<PERIOD-END>                                   DEC-31-1996
<CASH>                                           8,949,371
<INT-BEARING-DEPOSITS>                         335,933,718
<FED-FUNDS-SOLD>                                10,700,000
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                    107,240,830
<INVESTMENTS-CARRYING>                         122,466,265
<INVESTMENTS-MARKET>                           120,413,000
<LOANS>                                        103,791,623
<ALLOWANCE>                                      1,030,702
<TOTAL-ASSETS>                                 372,147,070
<DEPOSITS>                                     263,375,973
<SHORT-TERM>                                    68,335,000
<LIABILITIES-OTHER>                              3,722,274
<LONG-TERM>                                      1,811,523
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                            23,144
<OTHER-SE>                                      34,879,156
<TOTAL-LIABILITIES-AND-EQUITY>                 372,147,070
<INTEREST-LOAN>                                  5,557,667
<INTEREST-INVEST>                               11,154,411
<INTEREST-OTHER>                                   478,027
<INTEREST-TOTAL>                                17,190,105
<INTEREST-DEPOSIT>                               6,282,634
<INTEREST-EXPENSE>                               9,400,205
<INTEREST-INCOME-NET>                            7,789,900
<LOAN-LOSSES>                                      135,895
<SECURITIES-GAINS>                                  74,809
<EXPENSE-OTHER>                                  9,180,120
<INCOME-PRETAX>                                   (678,220)
<INCOME-PRE-EXTRAORDINARY>                        (678,220)
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                      (309,541)
<EPS-PRIMARY>                                        (0.17)
<EPS-DILUTED>                                        (0.17)
<YIELD-ACTUAL>                                        6.73
<LOANS-NON>                                      1,436,500
<LOANS-PAST>                                     3,884,152
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                 1,205,496
<CHARGE-OFFS>                                      311,000
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                1,030,702
<ALLOWANCE-DOMESTIC>                             1,030,702
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>