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<TITLE>Form 8-K</TITLE>
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<DIV align="center" style="font-size: 14pt; margin-top: 12pt"><B>UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION</B>
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<DIV align="center" style="font-size: 12pt"><B>Washington, D.C. 20549</B>
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<DIV align="center" style="font-size: 18pt; margin-top: 12pt"><B>FORM 8-K</B>
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<DIV align="center" style="font-size: 12pt; margin-top: 12pt"><B>CURRENT REPORT<BR>
Pursuant to Section&nbsp;13 OR 15(d) of The Securities Exchange Act of 1934</B>
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<DIV align="center" style="font-size: 10pt; margin-top: 12pt"><B>Date of Report (Date of earliest event reported): May 29, 2009</B></DIV>

<DIV align="center" style="font-size: 24pt; margin-top: 12pt"><B>CARVER BANCORP, INC.</B>
</DIV>

<DIV align="center" style="font-size: 10pt">(Exact name of registrant as specified in its charter)</DIV>

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<TD nowrap align="center" valign="top"><B>DELAWARE
</B></TD>
<TD>&nbsp;</TD>
<TD align="center" valign="top"><B>001-13007
</B></TD>
<TD>&nbsp;</TD>
<TD align="center" valign="top"><B>13-3904174</B></TD>
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<TD valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
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<TD align="center" valign="top">(State or other jurisdiction<BR>
of incorporation)
</TD>
<TD>&nbsp;</TD>
<TD align="center" valign="top">(Commission File Number)
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<TD>&nbsp;</TD>
<TD align="center" valign="top">(IRS Employer Identification No.)</TD>
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<TD align="center" valign="top"><B>75 West 125<SUP style="font-size: 85%; vertical-align: text-top">th</SUP> Street<BR>
New York, NY
</B></TD>
<TD>&nbsp;</TD>
<TD align="center" valign="bottom"><B>10027-4512</B></TD>
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<TR style="font-size: 1px">
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<TD valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
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<TD align="center" valign="top">(Address of principal executive offices)
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<TD align="center" valign="top">(Zip Code)</TD>
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<DIV align="center" style="font-size: 10pt; margin-top: 12pt">Registrant&#146;s telephone number, including area code: <B>(212) 360-8820</B></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 12pt"><B></B></DIV>

<DIV align="center" style="font-size: 10pt"><FONT style="border-top: 1px solid #000000">(Former name or former address, if changed since last report.)</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">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: </DIV>

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<TD width="3%" nowrap align="left"><FONT face="wingdings" size="2">&#111;</FONT></TD>
<TD width="1%">&nbsp;</TD>
<TD>Written communications pursuant to Rule&nbsp;425 under the Securities Act (17 CFR 230.425)</TD>
</TR>

<TR>
<TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
<TD width="3%" nowrap align="left"><FONT face="wingdings" size="2">&#111;</FONT></TD>
<TD width="1%">&nbsp;</TD>
<TD>Soliciting material pursuant to Rule&nbsp;14a-12 under the Exchange Act (17 CFR 240.14a-12)</TD>
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<TR>
<TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
<TD width="3%" nowrap align="left"><FONT face="wingdings" size="2">&#111;</FONT></TD>
<TD width="1%">&nbsp;</TD>
<TD>Pre-commencement communications pursuant to Rule&nbsp;14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</TD>
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<TD style="font-size: 6pt">&nbsp;</TD>
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<TD width="3%" nowrap align="left"><FONT face="wingdings" size="2">&#111;</FONT></TD>
<TD width="1%">&nbsp;</TD>
<TD>Pre-commencement communications pursuant to Rule&nbsp;13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</TD>
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<DIV align="left" style="font-size: 10pt; margin-top: 10pt"><B>Item&nbsp;2.02 Results of Operations and Financial Condition</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 10pt; text-indent: 8%">On May&nbsp;29, 2009, Carver Bancorp, Inc. (the &#147;Company&#148;) issued a press release reporting
financial results for the fourth quarter and fiscal year ending March&nbsp;31, 2009. A copy of the
press release is attached as Exhibit&nbsp;99.1 to this report and incorporated herein by reference. The
Company does not intend for this Item&nbsp;2.02 or Exhibit&nbsp;99.1 to be deemed &#147;filed&#148; for purposes of
Section&nbsp;18 of the Securities and Exchange Act of 1934 or to be incorporated by reference into
filings under the Securities Act of 1933.
</DIV>

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


<DIV align="left" style="font-size: 10pt; margin-top: 10pt; margin-left: 4%">(d)&nbsp;Exhibits
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 10pt; margin-left: 4%">The following exhibit is filed as part of this report:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 10pt"><U>99.1</U> Press release entitled &#147;<B>CARVER BANCORP, INC. ANNOUNCES FISCAL 2009 AND FOURTH
QUARTER RESULTS</B>&#148;<B>, </B>dated May&nbsp;29, 2009.
</DIV>

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


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

<DIV align="left" style="font-size: 10pt; margin-top: 10pt">DATE: May&nbsp;29, 2009
</DIV>

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    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">BY:
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">/s/ Mark A. Ricca
<DIV style="font-size: 1pt; border-top: 1px solid #000000">&nbsp;</DIV>
Mark A. Ricca
<FONT style="white-space: nowrap">Executive Vice President, Chief Risk Officer</FONT><br>
and General Counsel
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    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
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Form 8-K
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): May 29, 2009
CARVER BANCORP, INC.
(Exact name of registrant as specified in its charter)
DELAWARE
001-13007
13-3904174
(State or other jurisdiction
of incorporation)
(Commission File Number)
(IRS Employer Identification No.)
75 West 125
th
Street
New York, NY
10027-4512
(Address of principal executive offices)
(Zip Code)
Registrant's telephone number, including area code:
(212) 360-8820
(Former name or former address, if changed since last report.)
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:
o
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
o
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
o
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
o
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Item 2.02 Results of Operations and Financial Condition
On May 29, 2009, Carver Bancorp, Inc. (the "Company") issued a press release reporting
financial results for the fourth quarter and fiscal year ending March 31, 2009. A copy of the
press release is attached as Exhibit 99.1 to this report and incorporated herein by reference. The
Company does not intend for this Item 2.02 or Exhibit 99.1 to be deemed "filed" for purposes of
Section 18 of the Securities and Exchange Act of 1934 or to be incorporated by reference into
filings under the Securities Act of 1933.
Item 9.01 Financial Statements and Exhibits
(d) Exhibits
The following exhibit is filed as part of this report:
99.1
Press release entitled "
CARVER BANCORP, INC. ANNOUNCES FISCAL 2009 AND FOURTH
QUARTER RESULTS
"
,
dated May 29, 2009.
SIGNATURE
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.
DATE: May 29, 2009
BY:
/s/ Mark A. Ricca
Mark A. Ricca
Executive Vice President, Chief Risk Officer
and General Counsel
2