<ARTICLE> 9
<LEGEND>
     This schedule contains summary financial information extracted from the
balance sheet and the statement of earnings of Carver Bancorp, Inc. for the
nine-month period ended December 31, 1999 and is qualified in its entirety by
reference to such financial statements.
</LEGEND>


                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          MAR-31-2000
<PERIOD-END>                               DEC-31-1999
<CASH>                                      20,188,724
<INT-BEARING-DEPOSITS>                     266,733,090
<FED-FUNDS-SOLD>                             8,600,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 29,832,492
<INVESTMENTS-CARRYING>                      81,026,390
<INVESTMENTS-MARKET>                        78,550,552
<LOANS>                                    256,007,396
<ALLOWANCE>                                  3,227,338
<TOTAL-ASSETS>                             412,509,228
<DEPOSITS>                                 277,354,563
<SHORT-TERM>                                97,030,524
<LIABILITIES-OTHER>                          3,956,169
<LONG-TERM>                                    803,076
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        23,144
<OTHER-SE>                                  33,341,752
<TOTAL-LIABILITIES-AND-EQUITY>             412,509,228
<INTEREST-LOAN>                             14,649,746
<INTEREST-INVEST>                            5,358,272
<INTEREST-OTHER>                               511,993
<INTEREST-TOTAL>                            20,520,011
<INTEREST-DEPOSIT>                           6,492,359
<INTEREST-EXPENSE>                          10,643,082
<INTEREST-INCOME-NET>                        9,876,929
<LOAN-LOSSES>                                  605,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              8,764,618
<INCOME-PRETAX>                              2,033,781
<INCOME-PRE-EXTRAORDINARY>                   2,033,781
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,010,781
<EPS-BASIC>                                        .90
<EPS-DILUTED>                                      .90
<YIELD-ACTUAL>                                    7.07
<LOANS-NON>                                      2,344
<LOANS-PAST>                                        67
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,021
<CHARGE-OFFS>                                    1,723
<RECOVERIES>                                       324
<ALLOWANCE-CLOSE>                                3,227
<ALLOWANCE-DOMESTIC>                             3,227
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0