<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 SIX MONTH
PERIOD AT AND ENDED SEPTEMBER 30, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.



                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          MAR-31-2000
<PERIOD-START>                             APR-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                      19,925,414
<INT-BEARING-DEPOSITS>                     268,001,033
<FED-FUNDS-SOLD>                            11,900,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 29,825,053
<INVESTMENTS-CARRYING>                      83,430,206
<INVESTMENTS-MARKET>                        81,490,309
<LOANS>                                    252,683,382
<ALLOWANCE>                                  3,552,826
<TOTAL-ASSETS>                             413,231,895
<DEPOSITS>                                 279,022,695
<SHORT-TERM>                                97,035,549
<LIABILITIES-OTHER>                          3,968,620
<LONG-TERM>                                    896,234
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        23,144
<OTHER-SE>                                  32,285,653
<TOTAL-LIABILITIES-AND-EQUITY>             413,231,895
<INTEREST-LOAN>                              9,738,605
<INTEREST-INVEST>                            1,591,116
<INTEREST-OTHER>                               327,058
<INTEREST-TOTAL>                            13,559,562
<INTEREST-DEPOSIT>                           4,352,742
<INTEREST-EXPENSE>                           7,143,354
<INTEREST-INCOME-NET>                        6,416,208
<LOAN-LOSSES>                                  380,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              5,977,728
<INCOME-PRETAX>                              1,046,329
<INCOME-PRE-EXTRAORDINARY>                   1,046,329
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,046,329
<EPS-BASIC>                                        .47
<EPS-DILUTED>                                      .47
<YIELD-ACTUAL>                                    7.01
<LOANS-NON>                                  1,682,000
<LOANS-PAST>                                 1,802,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             4,021,000
<CHARGE-OFFS>                                  970,000
<RECOVERIES>                                   122,000
<ALLOWANCE-CLOSE>                            3,553,000
<ALLOWANCE-DOMESTIC>                         3,553,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0