<ARTICLE> 9
<LEGEND>
        FINANCIAL DATA SCHEDULE FOR THE PERIOD AT AND ENDING MARCH 31, 2000

         This schedule contains summary financial information extracted from the
balance sheet and the statement of earnings of Carver Bancorp, Inc. for the
period at and ending March 31, 2000 and is qualified in its entirety by
reference to such financial statements.


                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          MAR-31-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                      22,202,497
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                            11,300,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 24,952,220
<INVESTMENTS-CARRYING>                      79,225,080
<INVESTMENTS-MARKET>                        76,247,802
<LOANS>                                    273,083,331
<ALLOWANCE>                                  2,935,314
<TOTAL-ASSETS>                             420,118,532
<DEPOSITS>                                 281,941,338
<SHORT-TERM>                                98,025,456
<LIABILITIES-OTHER>                          6,957,680
<LONG-TERM>                                    553,201
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      1,000
<COMMON>                                        23,144
<OTHER-SE>                                  32,616,713
<TOTAL-LIABILITIES-AND-EQUITY>             420,118,532
<INTEREST-LOAN>                             19,442,840
<INTEREST-INVEST>                            7,233,733
<INTEREST-OTHER>                               689,929
<INTEREST-TOTAL>                            27,366,502
<INTEREST-DEPOSIT>                           8,612,026
<INTEREST-EXPENSE>                          14,008,859
<INTEREST-INCOME-NET>                       13,357,643
<LOAN-LOSSES>                                1,099,300
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                             15,823,170
<INCOME-PRETAX>                            (1,025,406)
<INCOME-PRE-EXTRAORDINARY>                 (1,025,406)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                               (1,135,436)
<EPS-BASIC>                                      (.53)
<EPS-DILUTED>                                    (.53)
<YIELD-ACTUAL>                                    7.12
<LOANS-NON>                                  2,126,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             4,020,000
<CHARGE-OFFS>                                2,569,000
<RECOVERIES>                                   385,000
<ALLOWANCE-CLOSE>                            2,935,000
<ALLOWANCE-DOMESTIC>                         2,935,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0