-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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 JhTxRq68HLMHRho6TwqazOGmNlAwEkLj5gAmBepZ9jd8jWzkpcKRxktYvNOul0NZ
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<SEC-DOCUMENT>0001089355-00-000053.txt : 20000203
<SEC-HEADER>0001089355-00-000053.hdr.sgml : 20000203
ACCESSION NUMBER:		0001089355-00-000053
CONFORMED SUBMISSION TYPE:	DFAN14A
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20000128

SUBJECT COMPANY:	

	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

	FILING VALUES:
		FORM TYPE:		DFAN14A
		SEC ACT:		
		SEC FILE NUMBER:	001-13007
		FILM NUMBER:		516431

	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

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BOSTON BANK OF COMMERCE
		CENTRAL INDEX KEY:			0001082070
		STANDARD INDUSTRIAL CLASSIFICATION:	UNKNOWN SIC - 0000 [0000]
		IRS NUMBER:				042764211
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		DFAN14A

	BUSINESS ADDRESS:	
		STREET 1:		133 FEDERAL STREET
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02110
		BUSINESS PHONE:		6174574400

	MAIL ADDRESS:	
		STREET 1:		133 FEDERAL STREET
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02110
</SEC-HEADER>
<DOCUMENT>
<TYPE>DFAN14A
<SEQUENCE>1
<DESCRIPTION>DFAN14A
<TEXT>


                            SCHEDULE 14A INFORMATION
Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

Filed by the Registrant [  ]

Filed by a Party other than the Registrant [X]

Check the appropriate box:

[ ]     Preliminary Proxy Statement

[ ]     Definitive Proxy Statement

[ ]     Definitive Additional Materials

[X]     Soliciting Materials Pursuant to ss.240.14a-12

                              Carver Bancorp, Inc.
- --------------------------------------------------------------------------------
                    (Exact Name as Specified in its Charter)

                            Boston Bank of Commerce
- --------------------------------------------------------------------------------
                   (Name of Person(s) Filing Proxy Statement)

Payment of Filing Fee (Check the appropriate box):
[ ] $125 per Exchange Act Rules 0-11(c)(1)(ii), 14a-6(i)(1), or 14a-6(j)(2).
[ ] $500 per each party to the controversy pursuant to Exchange Act
    Rule 14a-6(i)(3).
[ ] Fee computed on table below per Exchange Act Rules 14a-6(i)(4) and 0-11.

     1)   Title of each class of securities to which transaction applies:
          -----------------------------------------------------------------
     2)   Aggregate number of securities to which transaction applies:
          -----------------------------------------------------------------
     3)   Per unit price or other underlying value of transaction computed
          pursuant to Exchange Act Rule 0-11:1
          -----------------------------------------------------------------
     4)   Proposed maximum aggregate value of transaction:
          -----------------------------------------------------------------

1    Set forth the amount on which the filing fee is calculated and state how it
     was determined.

[ ]     Check box if any part of the fee is offset as provided by Exchange Act
Rule 0-11(a)(2) and identify the filing for which the offsetting fee was paid
previously. Identify the previous filing by registration statement number, or
the Form or Schedule and the date of its filing.

     1)   Amount Previously Paid:
          ----------------------------------------------
     2)   Form, Schedule or Registration Statement No.:
          ----------------------------------------------
     3)   Filing Party:
          ----------------------------------------------
     4)   Date Filed:
          ----------------------------------------------




<PAGE>

                             BOSTON BANK OF COMMERCE

FOR IMMEDIATE RELEASE                             CONTACT: ROBERT PATRICK COOPER
                                                                  (617) 457-4415
                                                                bcooper@bboc.com

                      BOSTON BANK OF COMMERCE'S SUBSIDIARY
                    SUES CARVER, MORGAN STANLEY AND PROVENDER
                     OVER ATTEMPTS TO ENTRENCH CARVER BOARD

January 19, 2000 - BBC Capital Market, Inc. ("BBC Capital"), a wholly owned
subsidiary of Boston Bank of Commerce, filed a lawsuit yesterday in the Delaware
Chancery Court against Carver Bancorp, Inc. ("Carver"), Carver's Board of
Directors, Morgan Stanley & Co., Inc., and Provender Opportunities Fund, L.P.
The suit seeks to sterilize blocks of Carver stock which Carver's board placed
with two allies, Morgan Stanley and Provender, in an effort to disenfranchise
Carver's public shareholders at its upcoming annual meeting, and to force the
re-election of management's two incumbent nominees, David N. Dinkins, the
former mayor of New York, and David R. Jones, Carver's non-executive Chairman.
BBC Capital, which previously nominated Kevin Cohee and Teri Williams for those
seats, intends to solicit proxies for the election of Mr. Cohee and Ms.
Williams. BBC Capital is a 7.4% stockholder of Carver.

The Complaint alleges that Carver, after being forced to hold the Annual Meeting
as a result of a prior suit filed by BBC Capital, sold blocks of a newly created
super-voting preferred stock, representing approximately 8.3% of Carver's voting
stock, to Morgan Stanley and Provender who are advisors to, and are supporting,
incumbent management. The Complaint alleges that the Preferred Stock, which was
issued on the record date for the Annual Meeting, was sold to friends of
Carver's president to insure that the shares would be voted for management's
nominees and against Mr. Cohee and Ms. Williams. The Complaint asks the Court to
prohibit Morgan Stanley and Provender from voting the Preferred Stock and to
rescind the issuance of such shares.

The Boston Bank of Commerce ("BBoC") is the first black owned interstate bank in
the country with branches in Massachusetts and Florida. BBoC is a premier
Community Development Financial Institution with a mission to help lower income
communities overcome the challenges of poverty by spurring economic and social
development. BBoC is FDIC insured and qualifies as a Minority Business
Enterprise.

Under the leadership of Mr. Cohee and Ms. Williams, the assets of Boston Bank of
Commerce have grown from $59 million in 1996 to almost $140 million in 1999 - an
annual growth rate of 35%. The BBoC management team led a complete turnaround of
the Bank from a loss of over $3.6 million in 1996 to a profit of over $1.7
million in 1999 on average assets of $114 million representing a return on
assets of 1.5%. The Boston Bank of Commerce has received the highest credit
rating by Veribanc, an independent bank-rating agency.

                                       ###

      133 Federal Street o Boston, MA 02110 617 457-4400 o Fax 617 457-4430

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