EXHIBIT 99.2

           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 Annual Report on Form 10-K for the fiscal year ended
March 31, 2003 (the "Report").

      By execution of 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.

      This statement is authorized to be attached as an exhibit to the Report so
that this statement will accompany the Report at such time as the Report is
filed with the Securities and Exchange Commission, pursuant to Section 906 of
the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350. It is not intended that
this statement be deemed to be filed for purposes of the Securities Exchange Act
of 1934, as amended.

June 27, 2003                               /s/ William C. Gray
- ------------------------                    ------------------------------------
Dated                                                   William C. Gray


* A signed original of this written statement required by Section 906 has been
provided to the Company and will be retained by the Company and furnished to the
Securities and Exchange Commission or its staff upon request.