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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 Jm6odiPzeIGH4eb/Ovc/R8JSzqSc51PHVUz+GQei7ugAS6/u2NNqM23F3hm4oev3
 1SiDfYaoIrDRldKRQmThIg==

<SEC-DOCUMENT>0001223482-03-000036.txt : 20030715
<SEC-HEADER>0001223482-03-000036.hdr.sgml : 20030715
<ACCEPTANCE-DATETIME>20030714210753
ACCESSION NUMBER:		0001223482-03-000036
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030710
FILED AS OF DATE:		20030715

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			DUNN LINDA J
		CENTRAL INDEX KEY:			0001223477

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-13007
		FILM NUMBER:		03786167

	MAIL ADDRESS:	
		STREET 1:		C/O CARVER BANCORP INC
		STREET 2:		194 LENOX ROAD
		CITY:			BROOKLYN
		STATE:			NY
		ZIP:			11226

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CARVER BANCORP INC
		CENTRAL INDEX KEY:			0001016178
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				133904174
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			0331

	BUSINESS ADDRESS:	
		STREET 1:		75 W 125TH ST
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10027-4512
		BUSINESS PHONE:		2128764747

	MAIL ADDRESS:	
		STREET 1:		75 W 125TH ST
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10027-4512
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>dun13.xml
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>
    <schemaVersion>X0101</schemaVersion>

    <documentType>4</documentType>
	<periodOfReport>2003-07-10</periodOfReport>
	<notSubjectToSection16>0</notSubjectToSection16>
    <issuer>
        <issuerCik>0001016178</issuerCik>
        <issuerName>CARVER BANCORP INC</issuerName>
        <issuerTradingSymbol>CNY</issuerTradingSymbol>
	</issuer>
	<reportingOwner>
		<reportingOwnerId>
            <rptOwnerCik>0001223477</rptOwnerCik>
            <rptOwnerName>DUNN LINDA J</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>  </rptOwnerStreet1>
            <rptOwnerStreet2>  </rptOwnerStreet2>
            <rptOwnerCity>  </rptOwnerCity>
            <rptOwnerState>  </rptOwnerState>
            <rptOwnerZipCode>  </rptOwnerZipCode>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
			<isDirector>0</isDirector>
			<isOfficer>1</isOfficer>
			<isTenPercentOwner>0</isTenPercentOwner>
			<isOther>0</isOther>
			<officerTitle>SVP &amp; General Counsel</officerTitle>
		</reportingOwnerRelationship>
	</reportingOwner>
	<nonDerivativeSecurity>
		<securityTitle>
			<value>Common Stock</value>
		</securityTitle>
		<transactionDate>
			<value>2003-07-10</value>
		</transactionDate>
		<transactionCoding>
			<transactionFormType>4</transactionFormType>
			<transactionCode>I</transactionCode>
			<equitySwapInvolved>0</equitySwapInvolved>
			<footnoteId id="F1"/>
		</transactionCoding>
		<transactionAmounts>
			<transactionShares>
				<value>113</value>
			</transactionShares>
			<transactionValue>
				<value>16.56</value>
			</transactionValue>
			<transactionAcquiredDisposedCode>
				<value>A</value>
			</transactionAcquiredDisposedCode>
		</transactionAmounts>
		<postTransactionAmounts>
			<sharesOwnedFollowingTransaction>
				<value>192.00</value>
				<footnoteId id="F2"/>
			</sharesOwnedFollowingTransaction>
		</postTransactionAmounts>
		<ownershipNature>
			<directOrIndirectOwnership>
				<value>I</value>
			</directOrIndirectOwnership>
			<natureOfOwnership>
				<value>By 401(k)</value>
			</natureOfOwnership>
		</ownershipNature>
	</nonDerivativeSecurity>
	<footnotes>
		<footnote id="F1">Purchase of CNY stock executed by Trustee of Carver Federal Savings Bank 401(k) Savings Plan for benefit of Reporting Person</footnote>
		<footnote id="F2">Includes adjustment for acquisiton of additional 19 shares by Trustee of CFSB 401(k) Savings Plan with matching funds in 401(k).</footnote>
	</footnotes>
	<ownerSignature>
		<signatureName>/s/ Dunn, Linda J</signatureName>
		<signatureDate>2003-07-14</signatureDate>
	</ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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