EXHIBIT 32.2

           WRITTEN statement furnished pursuant to section 906 of the
               sarbanes-oxley act of 2002, 18 u.s.c. section 1350

         The undersigned, William C. Gray, is the Senior Vice President and
Chief Financial Officer of Carver Bancorp, Inc. (the "Company").

         This statement is being furnished in connection with the filing by the
Company of the Company's Quarterly Report on Form 10-Q for the quarter ended
December 31, 2003 (the "Report").

         By execution of this statement, I certify that:

                  a)       the Report fully complies with the requirements of
                           Section 13(a) or 15(d) of the Securities Exchange Act
                           of 1934 (15 U.S.C. 78m(a) or 78o(d)); and

                  b)       the information contained in the Report fairly
                           presents, in all material respects, the financial
                           condition and results of operations of the Company as
                           of the dates and for the periods covered by the
                           Report.



February 13, 2004                                    /s/ William C. Gray
-----------------                                    -------------------
Dated                                                William C. Gray