8-K

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 8-K

CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): September 18, 2009

CARVER BANCORP, INC.
(Exact name of registrant as specified in its charter)

DELAWARE	1-13007	13-3904174
(State or other Jurisdiction of Incorporation)	(Commission File Number)	(IRS Employer Identification No.)

75 West 125th Street New York, NY	10027-4512
(Address of Principal Executive Offices)	(Zip Code)

Registrant’s telephone number, including area code: (212) 360-8820

(Former name or former address if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangement of Certain Officers.

Carver Bancorp, Inc. (the “Company”) previously announced in a press release that it would be appointing Chris A. McFadden as Executive Vice President and Chief Financial Officer of the Company and, its wholly-owned banking subsidiary, Carver Federal Savings Bank (the “Bank”) effective September 14, 2009. Ms. McFadden, age 45, began her responsibilities with the Company and Bank on September 14, 2009 and was appointed the Company’s Principal Accounting Officer by the Company Board of Directors on September 15, 2009. A copy of the press release announcing Ms. McFadden’s appointment is attached as Exhibit 99.1

Immediately prior to joining Carver, Ms. McFadden was Chief Financial Officer and Chief Administrative Officer at Banco Popular North America from 2000 to 2009. Prior to that, Ms. McFadden was Chief Financial Officer of Hudson United Bancorp.

Item 8.01 Other Matters

On September 18, 2009 Carver Bancorp, Inc. (the “Company”) issued a press release announcing that its 2009 Annual Meeting of Shareholders will be held on December 18th, with a record date of November 2, 2009.

The press release is attached hereto as Exhibit 99.2.

 Item 9.01 Financial Statements and Exhibits

(d) Exhibits

The following exhibits are filed as part of this report:

99.1 Press release entitled “CARVER BANCORP, INC. ANNOUNCES APPOINTMENT OF CHRIS A. McFADDEN AS CHIEF FINANCIAL OFFICER”, dated August 25, 2009.

99.2 Press release entitled “CARVER BANCORP, INC. ANNOUNCES 2009 ANNUAL MEETING DATE”, dated September 18, 2009.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned duly authorized.

DATE:  September 18, 2009

BY:	/s/ Mark A. Ricca
	Mark A. Ricca
	Executive Vice President, Chief Risk Officer and General Counsel

EX-99.1

Exhibit 99.1

FOR IMMEDIATE
RELEASE

Contact:	David Lilly/ Joseph Kuo	Mark Ricca
	Kekst and Company	Carver Bancorp, Inc.
	(212) 521-4800	(212) 360-8820

CARVER BANCORP, INC. ANNOUNCES APPOINTMENT OF
CHRIS A. McFADDEN AS CHIEF FINANCIAL OFFICER

New York, NY, August 25, 2009 —Carver Bancorp, Inc. (“Carver”) (NASDAQ: CARV), the holding company for Carver Federal Savings Bank (the “Bank”), today announced the appointment of Chris A. McFadden as Executive Vice President and Chief Financial Officer. In this role, Ms. McFadden will oversee accounting, treasury, reporting and all other financial management functions, and serve as a valued partner to the executive team in making strategic decisions. Ms. McFadden will join the Carver team on September 14, 2009.

Ms. McFadden brings to Carver a more than 20-year track record in community banking. Over the last 24 years, she has amassed extensive experience in managing teams of finance and accounting professionals and in assisting operating divisions in monitoring and improving performance. Chris was most recently CFO and CAO at Banco Popular North America, a $12 billion bank, operating as five distinct regional community banks, from 2000 to 2009. There she led a team overseeing a number of critical functions including accounting, finance, treasury, strategic planning, operations and technology. Among the areas Chris focused on at Banco Popular were expense control initiatives, the acquisition and integration of two banks, and improving performance measurement via profitability reporting and “dashboards” to provide senior managers with the metrics needed to improve daily decision making.

Previously, Chris was CFO of Hudson United Bancorp, then an $8 billion community bank. While there, Chris worked on strategic priorities including balance sheet restructuring strategies, capital management and improving profitability, along with regulatory and SEC reporting. At Hudson she also served as Assistant to the President and as Controller. Chris started her career at Sovereign Bancorp, Inc.

Deborah C. Wright, Chairman and Chief Executive Officer, said: “Chris brings to Carver tremendous experience in managing finance and accounting divisions of community banks and as a trusted partner to operating executives. As our industry continues to face the challenges of a difficult economic environment, I am pleased to welcome such an accomplished executive to our institution. Her hands on experience in working with operating executives to improve performance, along with her deep knowledge of critical finance and accounting disciplines and first-hand knowledge, born of a career of strategic decision-making and implementation, will allow her to quickly make a strong contribution to Carver’s success in a period of significant risk and opportunity.

“I want to thank Paul Hagan, who joined Carver in October 2008 as Acting CFO, for his service during this important transition. His contributions have been invaluable, and we wish him well as he concludes his work at Carver,” concluded Ms. Wright.

About Carver Bancorp, Inc.
Carver Bancorp, Inc. is the holding company for Carver Federal Savings Bank, a federally chartered stock savings bank. Carver Federal Savings Bank, the largest African- and Caribbean-American run bank in the United States, operates nine full-service branches in the New York City boroughs of Brooklyn, Queens and Manhattan. For further information, please visit the Company’s website at www.carverbank.com.

Certain statements in this press release are “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act. These statements are based on management’s current expectations and are subject to uncertainty and changes in circumstances. Actual results may differ materially from those included in these statements due to a variety of factors, risks and uncertainties. More information about these factors, risks and uncertainties is contained in our filings with the Securities and Exchange Commission.

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EX-99.2

Exhibit 99.2

FOR IMMEDIATE
RELEASE

Contact:	David Lilly/ Joseph Kuo	Mark Ricca
	Kekst and Company	Carver Bancorp, Inc.
	(212) 521-4800	(212) 360-8820

CARVER BANCORP, INC. ANNOUNCES 2009 ANNUAL MEETING DATE

New York, NY, September 18, 2009 —Carver Bancorp, Inc. (“Carver”) (NASDAQ: CARV), today announced that December 18th has been established as the date of its 2009 Annual Meeting of Shareholders.

Shareholders of record at the close of business on November 2, 2009 will be eligible to receive notice of, and to vote at, the Annual Meeting, which will be held at Harlem Stage Gatehouse, 150 Convent Avenue at West 135^th Street, in New York, beginning at 10:00 a.m. Eastern Time.

About Carver Bancorp, Inc.
Carver Bancorp, Inc. is the holding company for Carver Federal Savings Bank, a federally chartered stock savings bank. Carver Federal Savings Bank, the largest African- and Caribbean-American run bank in the United States, operates nine full-service branches in the New York City boroughs of Brooklyn, Queens and Manhattan. For further information, please visit the Company’s website at www.carverbank.com.

Certain statements in this press release are “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act. These statements are based on management’s current expectations and are subject to uncertainty and changes in circumstances. Actual results may differ materially from those included in these statements due to a variety of factors, risks and uncertainties. More information about these factors, risks and uncertainties is contained in our filings with the Securities and Exchange Commission.

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