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Proc-Type: 2001,MIC-CLEAR
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<SEC-DOCUMENT>0000882377-00-000192.txt : 20000307
<SEC-HEADER>0000882377-00-000192.hdr.sgml : 20000307
ACCESSION NUMBER:		0000882377-00-000192
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20000302
ITEM INFORMATION:		
ITEM INFORMATION:		
FILED AS OF DATE:		20000303

FILER:

	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:		8-K
		SEC ACT:		
		SEC FILE NUMBER:	001-13007
		FILM NUMBER:		561184

	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
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<DESCRIPTION>CARVER BANCORP, INC.
<TEXT>



================================================================================


                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549

                         ------------------------------

                                    FORM 8-K

                                 CURRENT REPORT

                     PURSUANT TO SECTION 13 OR 15(D) OF THE
                         SECURITIES EXCHANGE ACT OF 1934

                         ------------------------------


         Date of Report (Date of earliest event reported): March 2, 2000


                              CARVER BANCORP, INC.
             (Exact name of registrant as specified in its charter)


           DELAWARE                  0-21487              13-3904174
       (State or other             (Commission           (IRS Employer
       jurisdiction of             File Number)       Identification No.)
        incorporation)


                    75 WEST 125TH STREET, NEW YORK, NEW YORK
               10027-4512 (Address of principal executive offices,
                               including zip code)


       Registrant's telephone number, including area code: (212) 876-4747


                                 NOT APPLICABLE
          (Former name or former address, if changed since last report)


================================================================================


<PAGE>



ITEMS 1 THROUGH 4, 6 AND 8.
NOT APPLICABLE.

ITEM 5.           OTHER EVENTS.

         On March 3, 2000, Carver Bancorp, Inc., a Delaware corporation and the
holding company for Carver Federal Savings Bank ("Carver"), announced the
results of the Annual Meeting of Stockholders held on February 24, 2000, as
reported by CT Corporation System, Carver's inspector of election.

         A press release detailing the foregoing is attached hereto as Exhibit
99.1 and is incorporated herein by reference.

ITEM 7.           FINANCIAL STATEMENTS AND EXHIBITS.

         No financial statements are required to be filed as part of this
Report. The following exhibits are filed as part of this Report:



EXHIBIT NO.                                      DESCRIPTION
- -----------                                      -----------
    99.1                       Press Release, dated March 3, 2000, announcing
                                       report of inspector of election



<PAGE>



                                   SIGNATURES

                  Pursuant to the requirements of the Securities Exchange Act of
1934, the registrant has duly caused this report to be signed on its behalf by
the undersigned hereunto duly authorized.


                                     CARVER BANCORP, INC.



                                     By: /s/ Deborah C. Wright
                                         -------------------------------
                                             Deborah C. Wright
                                             President & Chief Executive Officer


Date:    March 3, 2000

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<DESCRIPTION>ADDITIONAL EXHIBITS
<TEXT>



                                                                  EXHIBIT 99.1




                   CARVER BANCORP, INC. PROVIDES FINAL RESULTS
                             ON ANNUAL MEETING VOTE


NEW YORK, MARCH 3, 2000 - Carver Bancorp, Inc. (Amex: CNY), the holding company
for Carver Federal Savings Bank, today reported the following final results of
last week's annual meeting vote as supplied to Carver by CT Corporation System
("CT"), the independent inspector of election.

The following results are taken from CT's final report on the election.

         o        On Proposal One, shareholders voted 887,934 shares and 888,031
                  shares for former Mayor David N. Dinkins and Chairman of the
                  Board David R. Jones, respectively. Teri Williams received
                  857,264 of the shares voted, and Kevin Cohee received 856,342
                  of the shares voted.

         o        On Proposal Two, Carver shareholders voted 1,657,339 shares to
                  111,942 shares in favor of the ratification KPMG LLP as the
                  Company's independent accounting firm for the fiscal year
                  ending March 31, 2000.

         o        On Proposal Three, a proposal that the shareholders adopt a
                  nonbinding resolution recommending that the board immediately
                  engage the services of an investment banker to explore
                  alternatives to enhance shareholder value, shareholders voted
                  1,271,540 shares against the proposal as compared to 459,843
                  shares for the proposal.

Carver Bancorp, Inc. is the holding company for Carver Federal Savings Bank, a
federally chartered stock savings bank. Carver Federal Savings Bank operates
seven full service branches in the New York City boroughs of: Brooklyn, Queens,
Manhattan, and in Nassau County, New York. Carver Federal's deposits are insured
by the FDIC. Shareholders, analysts and others seeking information about Carver
Bancorp, Inc. are invited to write to: Carver Bancorp, Inc., Investor Relations,
75 West 125th Street, New York, NY 10027.

                                      # # #

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