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
September 30, 2004 (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.


NOVEMBER 15, 2004                                          /S/ WILLIAM C. GRAY
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Dated                                                      William C. Gray