<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 six
month period at and ended September 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>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                      19,925,414
<INT-BEARING-DEPOSITS>                     268,001,033
<FED-FUNDS-SOLD>                            11,900,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 29,825,053
<INVESTMENTS-CARRYING>                      83,430,206
<INVESTMENTS-MARKET>                        81,490,309
<LOANS>                                    252,683,382
<ALLOWANCE>                                  3,552,826
<TOTAL-ASSETS>                             413,231,895
<DEPOSITS>                                 279,022,695
<SHORT-TERM>                                97,035,549
<LIABILITIES-OTHER>                          3,553,388
<LONG-TERM>                                    896,234
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        23,144
<OTHER-SE>                                  32,724,029
<TOTAL-LIABILITIES-AND-EQUITY>             413,231,895
<INTEREST-LOAN>                              9,738,605
<INTEREST-INVEST>                            1,591,116
<INTEREST-OTHER>                               327,058
<INTEREST-TOTAL>                            13,559,562
<INTEREST-DEPOSIT>                           4,352,742
<INTEREST-EXPENSE>                           7,143,354
<INTEREST-INCOME-NET>                        6,416,208
<LOAN-LOSSES>                                  380,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              5,562,496
<INCOME-PRETAX>                              1,461,561
<INCOME-PRE-EXTRAORDINARY>                   1,461,561
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,461,561
<EPS-BASIC>                                      .66
<EPS-DILUTED>                                      .66
<YIELD-ACTUAL>                                    7.01
<LOANS-NON>                                      1,682
<LOANS-PAST>                                     1,802
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,021
<CHARGE-OFFS>                                      970
<RECOVERIES>                                       122
<ALLOWANCE-CLOSE>                                3,553
<ALLOWANCE-DOMESTIC>                             3,553
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>