<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 NINE-MONTH
PERIOD ENDED DECEMBER 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.



                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          MAR-31-2000
<PERIOD-START>                             APR-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                      20,188,724
<INT-BEARING-DEPOSITS>                     266,733,090
<FED-FUNDS-SOLD>                             8,600,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 29,832,492
<INVESTMENTS-CARRYING>                      81,026,390
<INVESTMENTS-MARKET>                        78,550,552
<LOANS>                                    256,007,396
<ALLOWANCE>                                  3,227,338
<TOTAL-ASSETS>                             412,509,228
<DEPOSITS>                                 277,354,563
<SHORT-TERM>                                97,030,524
<LIABILITIES-OTHER>                          4,371,401
<LONG-TERM>                                    803,076
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        23,144
<OTHER-SE>                                  32,926,520
<TOTAL-LIABILITIES-AND-EQUITY>             412,509,228
<INTEREST-LOAN>                             14,649,746
<INTEREST-INVEST>                            5,358,272
<INTEREST-OTHER>                               511,993
<INTEREST-TOTAL>                            20,520,011
<INTEREST-DEPOSIT>                           6,492,359
<INTEREST-EXPENSE>                          10,643,082
<INTEREST-INCOME-NET>                        9,876,929
<LOAN-LOSSES>                                  605,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              9,179,850
<INCOME-PRETAX>                              1,618,549
<INCOME-PRE-EXTRAORDINARY>                   1,618,549
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,595,549
<EPS-BASIC>                                        .72
<EPS-DILUTED>                                      .72
<YIELD-ACTUAL>                                    7.07
<LOANS-NON>                                  2,344,000
<LOANS-PAST>                                    67,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             4,021,000
<CHARGE-OFFS>                                1,723,000
<RECOVERIES>                                   324,000
<ALLOWANCE-CLOSE>                            3,227,000
<ALLOWANCE-DOMESTIC>                         3,227,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0