Independent Auditors' Consent



The Board of Directors
Carver Bancorp, Inc.:

We consent to incorporation by reference in the Registration Statement on Form
S-8 of Carver Bancorp, Inc, of our report dated May 24, 2001 relating to the
consolidated statements of financial condition of Carver Bancorp, Inc. and
subsidiaries as of March 31, 2001 and 2000, and the related consolidated
statements of operations, changes in stockholders' equity and cash flows for
each of the years in the two-year period ended March 31, 2001, which report
appears in the March 31, 2001 Annual Report on Form 10-K of Carver Bancorp, Inc.



                                        /s/ KPMG LLP

New York, New York
June 29, 2001