EXHIBIT 32.1

           WRITTEN STATEMENT FURNISHED PURSUANT TO SECTION 906 OF THE
               SARBANES-OXLEY ACT OF 2002, 18 U.S.C. SECTION 1350

         The undersigned, Deborah C. Wright, is the Chairman, President and
Chief Executive Officer of Carver Bancorp (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, 2005 (the "Report").

         By execution of this 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 28, 2005                                    /s/ Deborah C. Wright
     ----------------------                              ---------------------
           Dated                                         Deborah C. Wright





* 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.