-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 DXO+GA4sCMg60xb4c1d2C0Uw9gPApnjxWqkzFFGa4BshioHgE1U68UwaEkJ54a6L
 ANq1hHRks/otX3ljEjJfSQ==

<SEC-DOCUMENT>0000950123-09-044142.txt : 20090918
<SEC-HEADER>0000950123-09-044142.hdr.sgml : 20090918
<ACCEPTANCE-DATETIME>20090918145656
ACCESSION NUMBER:		0000950123-09-044142
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20090918
ITEM INFORMATION:		Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20090918
DATE AS OF CHANGE:		20090918

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:		1934 Act
		SEC FILE NUMBER:	001-13007
		FILM NUMBER:		091076661

	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
<FILENAME>c90324e8vk.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<HTML>
<HEAD>
<TITLE>Form 8-K</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->

<DIV style="font-family: 'Times New Roman',Times,serif; margin-left: .25in; width: 7.20in">



<DIV style="font-size: 10pt">
<DIV style="width: 100%; border-bottom: 2pt solid black; font-size: 1pt">&nbsp;</DIV>
<DIV style="width: 100%; border-bottom: 1pt solid black; font-size: 1pt">&nbsp;</DIV>


<P align="center" style="font-size: 14pt"><B>UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION<BR>
<FONT style="font-size: 12pt">Washington, D.C. 20549
</FONT></B>

<P align="center" style="font-size: 18pt"><B>FORM 8-K</B>

<P align="center" style="font-size: 12pt"><B>CURRENT REPORT<BR>
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</B>

<P align="center" style="font-size: 10pt"><B>Date of Report (Date of earliest event reported): September 18, 2009</B>

<P align="center">

<P align="center" style="font-size: 24pt"><B>CARVER BANCORP, INC.<BR></B>
<FONT style="font-size: 10pt">(Exact name of registrant as specified in its charter)
</FONT>

<TABLE border="0" width="100%" cellspacing="0" cellpadding="0" style="font-size: 10pt; text-align: center">
<TR>
    <TD width="32%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="33%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="32%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD style="border-bottom: 1px solid #000000"><B>DELAWARE</B></TD>
    <TD>&nbsp;</TD>
    <TD style="border-bottom: 1px solid #000000"><B>1-13007</B></TD>
    <TD>&nbsp;</TD>
    <TD style="border-bottom: 1px solid #000000"><B>13-3904174</B></TD>
</TR>
<TR valign="top">
    <TD>(State or other Jurisdiction of Incorporation)</TD>
    <TD>&nbsp;</TD>
    <TD>(Commission File Number)</TD>
    <TD>&nbsp;</TD>
    <TD>(IRS Employer Identification No.)</TD>
</TR>
</TABLE>

<TABLE border="0" width="100%" cellspacing="0" cellpadding="0" style="font-size: 10pt; text-align: center">
<TR>
    <TD width="49%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="49%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD style="border-bottom: 1px solid #000000"><B>75 West 125th Street<BR>New York, NY<BR></B></TD>
    <TD>&nbsp;</TD>
    <TD style="border-bottom: 1px solid #000000"><B>10027-4512</B></TD>
</TR>
<TR valign="top">
    <TD>(Address of Principal Executive Offices)</TD>
    <TD>&nbsp;</TD>
    <TD>(Zip Code)</TD>
</TR>
</TABLE>

<P align="center" style="font-size: 10pt">Registrant&#146;s telephone number, including area code: <B>(212) 360-8820</B>


<TABLE border="0" width="30%" cellspacing="0" cellpadding="0" style="font-size: 10pt; text-align: center">
<TR>
    <TD width="100%">&nbsp;</TD>
</TR>
<TR>
    <TD nowrap style="border-bottom: 1px solid #000000"><B>&nbsp;</B></TD>
</TR>
<TR>
    <TD nowrap>(Former name or former address if changed since last report.)</TD>
</TR>
</TABLE>

<P align="left" style="font-size: 10pt">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant
under any of the following provisions:

<P align="left" style="font-size: 10pt">
<FONT face="Wingdings">&#111;</FONT> Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)<BR><BR>
<FONT face="Wingdings">&#111;</FONT> Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)<BR><BR>
<FONT face="Wingdings">&#111;</FONT> Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))<BR><BR>
<FONT face="Wingdings">&#111;</FONT> Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))<BR>


<P>
<DIV style="width: 100%; border-bottom: 1pt solid black; margin-top: 10pt; font-size: 1pt">&nbsp;</DIV>
<DIV style="width: 100%; border-bottom: 2pt solid black; font-size: 1pt">&nbsp;</DIV>

</DIV>

<P align="center" style="font-size: 10pt">&nbsp;

<P align="center" style="font-size: 10pt; display: none">1
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>



<DIV style="font-family: 'Times New Roman',Times,serif; margin-left: .25in; width: 7.20in">

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B>Item&nbsp;5.02</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD><B>Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers;
Compensatory Arrangement of Certain Officers.</B></TD>
</TR>

</TABLE>


<P align="left" style="font-size: 10pt">Carver Bancorp, Inc. (the &#147;Company&#148;) previously announced in a press release that it would be appointing Chris A.
McFadden as Executive Vice President and Chief Financial Officer of the Company and, its wholly-owned banking
subsidiary, Carver Federal Savings Bank (the &#147;Bank&#148;) effective September&nbsp;14, 2009. Ms.&nbsp;McFadden, age 45<B>, </B>began her
responsibilities with the Company and Bank on September&nbsp;14, 2009
and was appointed the Company&#146;s Principal
Accounting Officer by the Company Board of Directors on
September&nbsp;15, 2009. A copy of the press release announcing Ms.&nbsp;McFadden&#146;s appointment is attached as
Exhibit&nbsp;99.1


<P align="left" style="font-size: 10pt">Immediately prior to joining Carver, Ms.&nbsp;McFadden was Chief Financial Officer and Chief Administrative Officer at Banco
Popular North America from 2000 to 2009. Prior to that, Ms.&nbsp;McFadden was Chief Financial Officer of Hudson United
Bancorp.


<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B>Item&nbsp;8.01</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD><B>Other Matters</B></TD>
</TR>

</TABLE>


<P align="left" style="font-size: 10pt">On September&nbsp;18, 2009 Carver Bancorp, Inc. (the &#147;Company&#148;) issued a press release announcing that its 2009 Annual
Meeting of Shareholders will be held on December&nbsp;18th, with a record date of November&nbsp;2, 2009.


<P align="left" style="font-size: 10pt">The press release is attached hereto as Exhibit&nbsp;99.2.


<P align="left" style="font-size: 10pt">&nbsp;<B>Item&nbsp;9.01 Financial Statements and Exhibits</B>


<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">(d)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Exhibits</TD>
</TR>

</TABLE>




<P align="left" style="margin-left:2%; font-size: 10pt">The following exhibits are filed as part of this report:

<p>


<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><U>99.1</U></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Press release entitled &#147;<B>CARVER BANCORP, INC. ANNOUNCES APPOINTMENT OF CHRIS A. McFADDEN AS CHIEF
FINANCIAL OFFICER&#148;, </B>dated August&nbsp;25, 2009.</TD>
</TR>

</TABLE>


<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><U>99.2</U></TD>
    <TD width="1%">&nbsp;</TD>
    <TD> Press release entitled &#147;<B>CARVER BANCORP, INC. ANNOUNCES 2009 ANNUAL MEETING DATE&#148;, </B>dated September&nbsp;18,
2009.</TD>
</TR>

</TABLE>


<P align="center" style="font-size: 10pt"><U><B>SIGNATURE</B></U>



<P align="left" style="font-size: 10pt">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 duly authorized.


<P align="left" style="font-size: 10pt">DATE:&nbsp; September&nbsp;18, 2009

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="4%">&nbsp;</TD>
    <TD width="36%">&nbsp;</TD>
    <TD width="60%">&nbsp;</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">BY:
</DIV></TD>

    <TD align="left" valign="top">/s/ Mark A. Ricca</TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
&nbsp;</DIV></TD>

    <TD align="left" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>

    <TD align="left" valign="top">Mark A. Ricca</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>

    <TD align="left" valign="top">Executive Vice President,<br>Chief Risk Officer and General Counsel</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"></TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="left" style="font-size: 10pt">&nbsp;
<BR>
&nbsp;

<P align="center" style="font-size: 10pt">&nbsp;

<P align="center" style="font-size: 10pt; display: none">3
</DIV>

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>c90324exv99w1.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
<HTML>
<HEAD>
<TITLE>Exhibit 99.1</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<DIV style="font-family: 'Times New Roman',Times,serif; margin-left: .25in; width: 7.20in">

<DIV align="right" style="font-size: 10pt; margin-top: 10pt"><B>Exhibit&nbsp;99.1</B>
</DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 10pt"><IMG src="c90324p9032401.gif" alt="(CARVER BANCORP, INC. LOGO)">
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 10pt; margin-left: 50%">FOR IMMEDIATE<BR>
RELEASE

</DIV>
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head --><TR valign="bottom">
    <TD width="6%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="44%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="44%">&nbsp;</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Contact:
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">David Lilly/ Joseph Kuo
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Mark Ricca</TD>
</TR>
<TR valign="bottom" style="padding-top: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Kekst and Company
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Carver Bancorp, Inc.</TD>
</TR>
<TR valign="bottom" style="padding-top: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">(212) 521-4800
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">(212) 360-8820&nbsp;</TD>
</TR>
<!-- End Table Body --></TABLE>
</DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 10pt"><B>CARVER BANCORP, INC. ANNOUNCES APPOINTMENT OF<BR>
CHRIS A. McFADDEN AS CHIEF FINANCIAL OFFICER</B>
</DIV>


<DIV align="justify" style="font-size: 10pt; margin-top: 10pt"><B>New York, NY, August&nbsp;25, 2009 &#151;</B>Carver Bancorp, Inc. (&#147;Carver&#148;) (NASDAQ: CARV), the holding company
for Carver Federal Savings Bank (the &#147;Bank&#148;), today announced the appointment of Chris A. McFadden
as Executive Vice President and Chief Financial Officer. In this role, Ms.&nbsp;McFadden will oversee
accounting, treasury, reporting and all other financial management functions, and serve as a valued
partner to the executive team in making strategic decisions. Ms.&nbsp;McFadden will join the Carver
team on September&nbsp;14, 2009.
</DIV>

<DIV align="justify" style="font-size: 10pt; margin-top: 10pt">Ms.&nbsp;McFadden brings to Carver a more than 20-year track record in community banking. Over the last
24&nbsp;years, she has amassed extensive experience in managing teams of finance and accounting
professionals and in assisting operating divisions in monitoring and improving performance. Chris
was most recently CFO and CAO at Banco Popular North America, a $12&nbsp;billion bank, operating as five
distinct regional community banks, from 2000 to 2009. There she led a team overseeing a number of
critical functions including accounting, finance, treasury, strategic planning, operations and
technology. Among the areas Chris focused on at Banco Popular were expense control initiatives,
the acquisition and integration of two banks, and improving performance measurement via
profitability reporting and &#147;dashboards&#148; to provide senior managers with the metrics needed to
improve daily decision making.
</DIV>

<DIV align="justify" style="font-size: 10pt; margin-top: 10pt">Previously, Chris was CFO of Hudson United Bancorp, then an $8&nbsp;billion community bank. While there,
Chris worked on strategic priorities including balance sheet restructuring strategies, capital
management and improving profitability, along with regulatory and SEC reporting. At Hudson she also
served as Assistant to the President and as Controller. Chris started her career at Sovereign
Bancorp, Inc.
</DIV>

<DIV align="justify" style="font-size: 10pt; margin-top: 10pt">Deborah C. Wright, Chairman and Chief Executive Officer, said: &#147;Chris brings to Carver tremendous
experience in managing finance and accounting divisions of community banks and as a trusted partner
to operating executives. As our industry continues to face the challenges of a difficult economic
environment, I am pleased to welcome such an accomplished executive to our institution. Her hands
on experience in working with operating executives to improve performance, along with her deep
knowledge of critical finance and accounting disciplines and first-hand knowledge, born of a career
of strategic decision-making and implementation, will allow her to quickly make a strong
contribution to Carver&#146;s success in a period of significant risk and opportunity.
</DIV>

<DIV align="justify" style="font-size: 10pt; margin-top: 10pt">&#147;I want to thank Paul Hagan, who joined Carver in October&nbsp;2008 as Acting CFO, for his service
during this important transition. His contributions have been invaluable, and we wish him well as
he concludes his work at Carver,&#148; concluded Ms.&nbsp;Wright.
</DIV>
<P align="center" style="font-size: 10pt">&nbsp;

<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif; margin-left: .25in; width: 7.20in">

<DIV align="justify" style="font-size: 10pt; margin-top: 10pt"><B>About Carver Bancorp, Inc.</B><BR>
Carver Bancorp, Inc. is the holding company for Carver Federal Savings Bank, a federally chartered
stock savings bank. Carver Federal Savings Bank, the largest African- and Caribbean-American run
bank in the United States, operates nine full-service branches in the New York City boroughs of
Brooklyn, Queens and Manhattan. For further information, please visit the Company&#146;s website at
www.carverbank.com.
</DIV>

<DIV align="justify" style="font-size: 10pt; margin-top: 10pt"><I>Certain statements in this press release are &#147;forward-looking statements&#148; within the meaning of the
Private Securities Litigation Reform Act. These statements are based on management&#146;s current
expectations and are subject to uncertainty and changes in circumstances. Actual results may differ
materially from those included in these statements due to a variety of factors, risks and
uncertainties. More information about these factors, risks and uncertainties is contained in our
filings with the Securities and Exchange Commission.</I>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 10pt"># # #
</DIV>



<P align="center" style="font-size: 10pt">&nbsp;

<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>




</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>3
<FILENAME>c90324exv99w2.htm
<DESCRIPTION>EXHIBIT 99.2
<TEXT>
<HTML>
<HEAD>
<TITLE>Exhibit 99.2</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<DIV style="font-family: 'Times New Roman',Times,serif; margin-left: .25in; width: 7.20in">

<DIV align="right" style="font-size: 10pt; margin-top: 10pt"><B>Exhibit&nbsp;99.2</B>
</DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 10pt"><IMG src="c90324p9032401.gif" alt="(CARVER BANCORP, INC. LOGO)">
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 10pt; margin-left: 50%">FOR IMMEDIATE<BR>
RELEASE

</DIV>
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head --><TR valign="bottom">
    <TD width="6%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="44%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="44%">&nbsp;</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Contact:
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">David Lilly/ Joseph Kuo
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Mark Ricca</TD>
</TR>
<TR valign="bottom" style="padding-top: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Kekst and Company
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Carver Bancorp, Inc.</TD>
</TR>
<TR valign="bottom" style="padding-top: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">(212) 521-4800
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">(212) 360-8820&nbsp;</TD>
</TR>
<!-- End Table Body --></TABLE>
</DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 10pt"><B>CARVER BANCORP, INC. ANNOUNCES 2009 ANNUAL MEETING DATE</B>
</DIV>


<DIV align="justify" style="font-size: 10pt; margin-top: 10pt"><B>New York, NY, September&nbsp;18, 2009 &#151;</B>Carver Bancorp, Inc. (&#147;Carver&#148;) (NASDAQ: CARV), today announced
that December&nbsp;18th has been established as the date of its 2009 Annual Meeting of Shareholders.
</DIV>

<DIV align="justify" style="font-size: 10pt; margin-top: 10pt">Shareholders of record at the close of business on November&nbsp;2, 2009 will be eligible to receive
notice of, and to vote at, the Annual Meeting, which will be held at Harlem Stage Gatehouse, 150
Convent Avenue at West 135<SUP style="font-size: 85%; vertical-align: text-top">th</SUP> Street, in New York, beginning at 10:00&nbsp;a.m. Eastern Time.
</DIV>

<DIV align="justify" style="font-size: 10pt; margin-top: 10pt">&nbsp;
</DIV>

<DIV align="justify" style="font-size: 10pt; margin-top: 10pt"><B>About Carver Bancorp, Inc.</B><BR>
Carver Bancorp, Inc. is the holding company for Carver Federal Savings Bank, a federally chartered
stock savings bank. Carver Federal Savings Bank, the largest African- and Caribbean-American run
bank in the United States, operates nine full-service branches in the New York City boroughs of
Brooklyn, Queens and Manhattan. For further information, please visit the Company&#146;s website at
www.carverbank.com.
</DIV>

<DIV align="justify" style="font-size: 10pt; margin-top: 10pt"><I>Certain statements in this press release are &#147;forward-looking statements&#148; within the meaning of the
Private Securities Litigation Reform Act. These statements are based on management&#146;s current
expectations and are subject to uncertainty and changes in circumstances. Actual results may differ
materially from those included in these statements due to a variety of factors, risks and
uncertainties. More information about these factors, risks and uncertainties is contained in our
filings with the Securities and Exchange Commission.</I>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 10pt"># # #
</DIV>



<P align="center" style="font-size: 10pt">&nbsp;

<P align="center" style="font-size: 10pt"><!-- Folio --><!-- /Folio -->
</DIV>




</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>c90324p9032401.gif
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 c90324p9032401.gif
M1TE&.#EA8`$M`/<```````,#`PH*"A$1$186%AH:&AX>'BHJ*C(R,CP\/$%!
M045'1DQ53TIF4C654`/B/0?;017%1P+I3`3Q8`?S:A#M;C/;>VN@@(J1BY*7
MDY^@GZBMJJ^VLK.]N+?!O+K$O\#*Q</0RLK2S\K;U-/=V-??VMSCWMSLX^+M
MY^CLZN[O[O+R\O7U]?CX^/KZ^OO\^_S\_/W^_?[^_@``````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M`````````````````````````````````````````!+8X!E<8)-U`A+8Q"+M
M,````!4``(P`&P!7U%L`&@!7TP```````2+HR````!AHR!+9I)$`724>G```
M````````````````````````````````````````````````````````````
M``````````````````````````````````````````````````````"+*A+6
M\#X`/!4``)#I()$[R/___Y$[OY$#(R4>G````````,$`X!+9A!+:*!+<4)#I
M()$#*)#?&I%YE?___Y%8O)?O!!+B+)?NR!+:-!+:(```&````!+9^```0```
M`````!+:-!+:(````````<$`X!H`1"+M,"4>G!+<O%NM>`)P```"Y``"]```
M`````#X`/!+:,,$```$``SH`0U<`7$X`24\`1%,`5W,`7',`>64`=#,`;5P`
M,G,`36T`:68`=&0`+FP`;```````````````````````````````````````
M````````````````````````````````````````````````````````````
M`````````````````````"'Y!```````+`````!@`2T`AP````,#`PH*"A$1
M$186%AH:&AX>'BHJ*C(R,CP\/$%!045'1DQ53TIF4C654`/B/0?;017%1P+I
M3`3Q8`?S:A#M;C/;>VN@@(J1BY*7DY^@GZBMJJ^VLK.]N+?!O+K$O\#*Q</0
MRLK2S\K;U-/=V-??VMSCWMSLX^+MY^CLZN[O[O+R\O7U]?CX^/KZ^OO\^_S\
M_/W^_?[^_@``````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M`````````!+8X!E<8)-U`A+8Q"+M,````!4``(P`&P!7U%L`&@!7TP``````
M`2+HR````!AHR!+9I)$`724>G```````````````````````````````````
M````````````````````````````````````````````````````````````
M``````````````````````"+*A+6\#X`/!4``)#I()$[R/___Y$[OY$#(R4>
MG````````,$`X!+9A!+:*!+<4)#I()$#*)#?&I%YE?___Y%8O)?O!!+B+)?N
MR!+:-!+:(```&````!+9^```0````````!+:-!+:(````````<$`X!H`1"+M
M,"4>G!+<O%NM>`)P```"Y``"]````````#X`/!+:,,$```$``SH`0U<`7$X`
M24\`1%,`5W,`7',`>64`=#,`;5P`,G,`36T`:68`=&0`+FP`;```````````
M````````````````````````````````````````````````````````````
M``````````````````````````````````````````````````C^`%L('$BP
MH,&#"!,J7,BPH<.'$"-*G$BQHL6+&#-JW,BQH\>/($.*'$FRI,F3*%.J7,FR
MY44$`&+*G$FSILV;.'/JW,FSI\^?0(,*'4JTJ-&C2(4B,`A`X0@+KEQ9N/7P
M!)\*%::ZW,JUJ]>O$)L6%'MP!(0':-%27:CB%H6W<->"G4NWKEV19`?F)7C+
M5=J_<LM:@$N8PHF[B!,K7JQP;PO'`BW\_0OL\$&WA0D'9LRYL^>MCB&WD(P6
M&&FT%@RNX)/YUN"WFS_+GDW;8VB$IUV=./T@\.["%4:<J!"WMO'CR"?>OGQ6
M[0E@:5VE$'B+.&$^*%B\IE#!<O+OX,/^/V:*<(1?U"UN`8Y<F*KVZ^+CRZ>]
MW"`+]6@AG-">MG*+$7!50)4*VW'G70LK?)`!!@TT@$$&'9!@P@H(@<`!A0:)
ML`$'&VB0@8<9;"`"AB*`(,*)((!0$`D;<M`!!QR<B&**-+X(`HL<:J"CAQJ`
M@.%"*7Q@(HH?="`""3\FM$**")5XH@D()3CDC`6EP,&"#F;``0D2'I1"!PP^
MV,%T!*60XHD?@*C!!V2NN$&';V8@IX@1@2"DC':2T,*9(D#IY9TR?B"":AU@
MB0$&(IJ@YT+U&71"<P^D=@LT::76`FL6'(9"@13(E0(&"`A@P`(,*&!`3`4D
MX&=!(`P`P`?^!VF0@$P")*``3`(HP$$+&`C@JP`(-%`0!Z;*A$`!O@(P0`$%
M##"``#$=H,$"T,9D:Z@`)*`!0R`L4````@R@@`('A*M`!@MA`(`"20J40@.G
M"E!`!P>9T$`"OP)0``8#@0`OL`PP@("KRPI;)@8'%'#``:X"@``&;7[`P+>^
M(J!``JXB@.ZP"S0\`*GX"K#`K@YAX"VX^BJ@00HG`[LHJP*#"ZT!&PMD`L("
M'``RQ:FNBE"C!IVFWVAI#7W"+2BT\)MF`WTP*\VKIJ#!`0XCE$%,_!ZT`@,Q
M&;P"!_%NVP"J*AX$PK<+?-IU!T)VT,$&8R,PG;KK4O@U3`!DO=#^U=FFL(()
M&U"=MY(P#3#H02+,"L`!;59)MP)EMY"!JPIT\*,(=!LLT`>A-O`!A23(&I,"
MAPM$=P)D=HOU07Q[W<&L`M3<$-\`;"M0@H(OT.Y`)G`-``.EM\`!U=*V24(&
M:#,$=$$C4(K>HY42-()UQ6W^K0(O$_2!``P@M$!,"R1$M^P?$)P""=\6D#U!
M*Q@@`*P?Q&1[00N$WT+\`&C>@@C?#A!Y0B:`5O<&PC]P!8\@':C6_`S2`9GH
MKR`!!`"]3+>Z@ZA+;QU`%LG81[<#E"Z!^2N3X#8X$!#JK04FH)H`2+@0$KC*
M``:AW0D+TD`!!&\#`FS<0#800D:11R'^I&F%?W)CF>JTAW=4,X#/V'>``;*J
M`*<JP`$'PC?9M<!WZ/(="PGXN\U!RXH":<``\3?#L0UN(29PU0.QB)`&(*N'
MB&O8&0V2`F;YB0/0>B!!1""`#0B$!*<"XT#HICN!M`J.`N&;$YL&K1EJ8'0/
M,<&I$L!`6OG1;#DCR-GJ%J4"Z/&'!!'-0,S2B@=,@"K/>8`KUH*9``5F?`I9
MP"=!546$/!(`5E2D\+J&$'61K(&X9)W!R%B06RX2(2DX51DK6*4#F&QQ2QP(
M^MZX0B]!$4HI@$D!HLF[`L"J!6.C).%BLC$1J+$@(HA6NP[Y0!-0;(H(2>&Z
M#.+"4^GK?_W^JA5!N/8^A21@A@=97M`>(`$#I2=3"&KE6P1$D#0N3H?#FB`3
M,="^+L9*?L.*2?=60#6Y'20!!\`0,`6Y`C)M;XX"X:%%%9),1(*3G`?9@/KX
MML4_>I)N!I@B1Y78@EL"E(-Z`L$7%Z)2!%#(G2YU:$A9Y2J`*B`F-:W7J8Z)
M0@$PR%K1=*$"\CE/A6A`H@D1:$%N,8'BK$`%+=A481!*D%M^DB$=\-]+U7?1
MVF6TA^KJ)ZNL6D*8TO!E0@TF03C`2R"=:HW@PJ=`ZM<"%[I4FIZ\XNC:Q5&/
M^NZ;#%&7X1;"T9C`"JGMS)A!#@E0+3I$DH\-(,3P1E47VH]7?KW^B%@'8D3"
MC$`@2X,+=@QB1D$RA`'B5.D"=XA1@O#MDL0L"`8&L*J3#K<%"[CDGER5R]@"
M\%LGY"-*I2D`VWUOJ?2,K`GP]D".)J"D480H0IYJ`/46I+<H_-8#T_E8TA9D
M!;"#IU13R]=-;K>.3H0=6"LRV_10[RT2D-2!.\4"U2A.NI$<0-902]5="G8@
M3S7J[6"BX8%P5'\GM6(&-VC."PN$:P98GY<.FX(4F*`#MX(P03"PS41Z]B#H
M&^:W3,S1[I$`6AT&TK<\NC>-MJ".+LTK9OO5U+UVM2&HU6,`#89#<$&XC@9#
M<HTQ,EN%ON4!K8``ISJ%3!4JEB&3>]G^V)AK$,+:=9#Z`BO=EHQ'L)[T`.,:
M%[8D6N(%7FT`4:U2%!&``'MZ3FM-).`YPZNY*@/:PXG&WWD;XEAVP15\1\8N
M`AMIMB83Q(R!-DB4Z2D`S=&M`)'#LLU>Z-Z(B-7+%7!%*TI95E<FI*4#4#%G
M$[!(X;99HV]ZY@+P&=@3WBM))Y5E@QK0L5<I^G?!YEH"!GS=WVG@4!AX*@`6
M<,`Z$^2[NT/?(G&ZJ!Y;>-(,.2FZ%0+,K2)95V]KP``,\%Q##O5V=/LI``\[
M6D2:$0%^4G5CH<6XC`C4RYFZ12E+"1>$KN"V=%0AM1>RO052^-?Z.@"V`"!C
M!,VJP^ZT(O[^ALN!`?#950H;&#,9@M0)4VARB\L>`PR0)+I1VYS'-*,"IF-N
M2>\.DP^]]+8SK2P$)&#';YUN_EX$*H?56R&C+DC\],<R(V?:8`[=LFQ!.1`4
M'-@"25//P@NZV]WHQL'%?<C8#I"`MK<=6G0=+-9,D`*^O7;&,9D@\I8(S.<F
M0+HEAE@*BMIJ",KW=EW*'&0_5C]2D7>T(KOO]T)H;A*H$\HOY"8->8GD!IC`
M!'@$`$\[O3A;R7)E$I&G'@G;3L'QJXX3?J?!N4X=PEA@!2A@S03`7$I+F4<M
M!S&CON-I@']B^U!LE+M@4S#"T2Y:`7H<*0,!ZZKY:=NWHM8T[TC^4,#1J\M!
MQ\?`J8B<S[O_T?4M2#12-\N0SDJ0(2I%%V@'XCM]GQ0#=+=(U.6NQP_L>`,K
ML"^W\V"S-Q8&T4H"4EL4(`&E%"F1430'8F-/-CL<ER&N<DRW5#-\LU4&\50A
M94Y+)A#2IQ"!53-N!EZ&Y5)+<BJ;M0*$%GS@,F!"56'E`RX:$"P"H6U/QULK
MUT8&%%]P!$(I=A`FA!&.156/]$D:`'=@HS=FE'1A07OI01@+1@%@!GSX@1X0
MY"H"<&;KI74$\51Q)Q"W-#_N]UQ*=B\'@3^^U0';$F+?UH/(Q&_-I"^#TD`_
MY68/%#_F1T6H,@`&0S<51H0QT5X+,2O^`]1Y^U18-,1I%U%B?7@U;]5!?"40
M;D9S7":%7E88?'`>JC0=0A.!+_58Z$0A(+!2RF5=9=A6A:A#VM4`!R!(SH40
M#"`L;*@]!..%#76!V><PT\$U(>@NIU)P_>(P/P=;A85:>G5KBR6'"`0NWS1_
M3*8LP>AFP_<0CB5.QD6*)R83>H-?UE4ORB.%[Y$9K$`56=@;Z?$7ED(0@&1E
M";$!J/-2OH4_EB:!5F1&5/54\L)-(\A4Z))<<+8NA8="O%@0?,,O`42,!N$[
M$$98029Y5B<YH]-JAV)(%!-5V31'[)2*OEA,SA@1E680ZC*(*"0X^A-Z4A2/
M#(`A3"*%D''^`JQ`A4@S$*<Q1/TABAFD+!W7`G'E8]_BA16UC+!4)MKV0()H
M2XS8+S`!*RI57K[3`(5'7]IH/9Q4D@FA2P,Q-H;8)%/E8?K(34M8,TO(DZ+V
M/0WP(WK8D!K5.*VC$"LP)@L!3$M1$-+&;HLVD`@`3^5C,"[T:`88F`:!`K?`
M!U.1--(#*9*R'@S$6APP(5_2`-#"`2D0E2H6EPW#`"T&-C&!`'+).Y.W`)]Y
MBA5X7R*@;8"(;<P&=R30`7AC`)_I+KZ3`)3I)6:$2R7"`9*Y;7I2@WNI-73S
M?H-7+0V`)$IYCPC2*XNC`7Z2(&OF,QM@3PP0(R3P`>*7-S_2.X7^:#EEXCN5
MLP)+\IH^TDO;=HS[HS@<AR%J,W?B@XJ)A'(8`%C+]7X4^5@%!D1_<5NYH5YU
MIP#/8@`'X#[*HIDTQG8:!U8KT`#'PBR>!(L,JC`,X#,KD`$8\S%ZDDT`1Y)'
MIW$(L#`&T"S+<E,)PZ!-=$`:X)\#D`#X)(\A^I\?6@#G8HI4TRP&L(?>DBS.
MU#'+\D*:28M@Z),,\$*V4B[*`E`D`"\Q$2[RP@!+-C7RTBPP^C\3BBL)L`#N
MPRSS!CD6!%5:\R]8FBH:(`(#@Z4Y(Y5>8G2(XT;Z<BW0PCTNF79Z(84.D4IH
MX0KKF!:QT5!O$R(;\`%^\GE^HR@ZQ"7^G_=Y7"(AA<HE6F,")\([ZJ4H=`>>
MX-EBA0J9B&JHQBEJ)](N9G*I,M(G[',DBM*H96(B7'(BW-<GHVHB"7$\/P=Z
M"W(H$*)K-G,EA[(!T60"-V*H)0)12_(FILJKX\DZE9@AN[JJ$V(BPJI?]].3
M[E(HV*8EZZ,C`26G#I&.M[`"GMB.\]&MR4$S]&&M#<$?^7$+6<BMWIJNL\$_
MNJ@8][D09M$?N=%@ZEJOGE&94.BNXGJMDQ$=]OJOC`$"M6B>B_&N"T&NDX&N
M`+NP<Z&KQV&P;,$;D8*8#%NQ%AL2$,L0?1$5%E"0%_NQ(!N%!2%'25&R)GNR
=*)NR*KNR+-L2LBX[`"$;LS([LS1;LS:+$`$!`#L_
`
end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
