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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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<SEC-DOCUMENT>0001169232-03-005336.txt : 20030819
<SEC-HEADER>0001169232-03-005336.hdr.sgml : 20030819
<ACCEPTANCE-DATETIME>20030819165547
ACCESSION NUMBER:		0001169232-03-005336
CONFORMED SUBMISSION TYPE:	8-K/A
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030818
ITEM INFORMATION:		
FILED AS OF DATE:		20030819

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/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-13007
		FILM NUMBER:		03856233

	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/A
<SEQUENCE>1
<FILENAME>d56752_8k-a.txt
<DESCRIPTION>FORM 8-K/A
<TEXT>
================================================================================

                                  UNITED STATES

                       SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549
                             ----------------------

                                   FORM 8-K/A

                                 CURRENT REPORT
                     Pursuant to section 13 OR 15(d) OF THE
                         SECURITIES EXCHANGE ACT OF 1934
                         -------------------------------

        Date of report (Date of earliest event reported): August 18, 2003

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

           Delaware                     0-21487                   13-3904147
(State or other jurisdiction       (Commission File             (IRS Employer
      of incorporation)                 Number)              Identification No.)

                              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>

Item 12. Results of Operations and Financial Condition

      This Form 8-K/A amends the Company's current report on Form 8-K filed on
July 25, 2003.

      Between the time of the release of its earnings press release dated July
23, 2003 reporting the results of the first quarter of the fiscal year ending
March 31, 2004 ("fiscal 2004") and the filing of its quarterly report on SEC
Form 10-Q on August 18, 2003 ("Form 10-Q"), the Company made an adjustment for
prepaid mortgage interest which resulted in the recognition of additional income
from that reported in the first quarter earnings press release. As a result of
the higher income, the Company as part of its fiscal 2004 budget also accrued
expenses for its performance-based management incentive plans.

      The net result of these adjustments increased net income available to
common stockholders to $1.038 million from $1.029 million, an increase of
$9,000. Compensation and benefits expense increased $100,000 to $1.805 million
from $1.705 million. Interest income related to mortgage loans increased to
$4.866 million from $4.752 million, an increase of $114,000. The aforementioned
additional income and accrual are reflected in Part 1, Item 1 "Financial
Statements" of the Company's Form 10-Q.

      The information provided pursuant to this Form 8-K/A shall not be deemed
incorporated by reference by any general statement incorporating by reference
this Form 8-K/A into any filing under the Securities Act of 1933, as amended, or
the Securities Exchange Act of 1934, as amended, and shall not otherwise be
deemed filed under such Acts.

<PAGE>

                                    Signature

            Pursuant to the requirements of the Securities Exchange Act of 1934,
as amended, 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 and Chief Executive Officer

Dated: August 19, 2003

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