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SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
Under the Securities Exchange Act of 1934
(Amendment No. -)<F*>
Carver Bancorp, Inc.
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(Name of Issuer)
Common Stock
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(Title of Class of Securities)
146875109
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(CUSIP Number)
[FN]
<F*>The remainder of this cover page shall be filled out for a reporting
person's initial filing on this form with respect to the subject class of
securities, and for any subsequent amendment containing information which
would alter the disclosures provided in a prior cover page.
The information required in the remainder of this cover page shall not
be deemed to be "filed" for the purpose of Section 18 of the Securities
Exchange Act of 1934 ("Act") or otherwise subject to the liabilities of that
section of the Act but shall be subject to all other provisions of the Act
(however, see the Notes).
PAGE 1 OF 9 PAGES
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CUSIP NO. 146875109 13G PAGE 2 OF 9 PAGES
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=========================================================================
1 NAMES OF REPORTING PERSONS DONALD LEIGH KOCH
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS
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2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
(a) / /
(b) / /
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3 SEC USE ONLY
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4 CITIZENSHIP OR PLACE OF ORGANIZATION
UNITED STATES
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NUMBER OF 5 SOLE VOTING POWER
SHARES
BENEFICIALLY 11,850<F*>
OWNED BY
EACH
REPORTING
PERSON
WITH
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6 SHARED VOTING POWER
2,000<F*>
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7 SOLE DISPOSITIVE POWER
174,350<F*>
---------------------------------------------------
8 SHARED DISPOSITIVE POWER
0
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9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING
PERSON
174,350<F*>
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10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES
CERTAIN SHARES
/ /
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11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)
7.5 %
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12 TYPE OF REPORTING PERSON
IN
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[FN]
<F*>SEE ITEM 4 OF THIS SCHEDULE 13G.
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PAGE 2 OF 9 PGAES
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CUSIP NO. 146875109 PAGE 3 OF 9 PAGES
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1 NAMES OF REPORTING PERSON KOCH ASSET MANAGEMENT, L.L.C
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS 43-1746061
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2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
(a) / /
(b) / /
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3 SEC USE ONLY
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4 CITIZENSHIP OR PLACE OF ORGANIZATION
MISSOURI
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NUMBER OF 5 SOLE VOTING POWER
SHARES
BENEFICIALLY 0
OWNED BY
EACH
REPORTING
PERSON
WITH
---------------------------------------------------
6 SHARED VOTING POWER
0
---------------------------------------------------
7 SOLE DISPOSITIVE POWER
174,350<F*>
---------------------------------------------------
8 SHARED DISPOSITIVE POWER
0
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9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING
PERSON
174,350<F*>
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10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES
CERTAIN SHARES
/ /
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11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)
7.5 %
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12 TYPE OF REPORTING PERSON
IA
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[FN]
<F*>SEE ITEM 4 OF THIS SCHEDULE 13G.
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PAGE 3 OF 9 PAGES
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CUSIP NO. 146875109 PAGE 4 OF 9 PAGES
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ITEM 1. (a) Name of Issuer: Carver Bancorp, Inc.
(b) Address of Issuer's Principal Executive Offices:
75 West 125th St.
New York, NY 10027
ITEM 2. (a) Name of Person Filing: Donald Leigh Koch
Koch Asset Management, L.L.C. , L.L.C.
(b) Address of Principal Business Offices or, if none,
Residence:
Donald Leigh Koch
4 Muirfield Lane
St. Louis, MO 63141
Koch Asset Management, L.L.C.
1293 Mason Road
Town & Country, MO 63131
(c) Citizenship: United States; Missouri
(d) Title of Class of Securities: Common Stock
(e) CUSIP Number: 146875109
ITEM 3. INFORMATION IF STATEMENT IS FILED PURSUANT TO RULES
13d-1(b) OR 13d-2(b):
Koch Asset Management, L.L.C., one of the persons filing this
Statement, is an investment adviser registered under Section 203
of the Investment Advisers Act of 1940.
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CUSIP NO. 146875109 PAGE 5 OF 9 PAGES
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ITEM 4. OWNERSHIP.
The Information in items 1 and 5-11 on each of the cover pages of
this Schedule 13G is hereby incorporated by reference.<F**>
Koch Asset Management, L.L.C. is a registered investment adviser
which furnishes investment advice to individual clients by
exercising trading authority over securities held in accounts on
behalf of such clients (collectively, the "Managed Portfolios").
In its role as an investment adviser to the Managed Portfolios,
Koch Asset Management, L.L.C. has sole dispositive power over the
Managed Portfolios and, as a result, may be deemed to be the
beneficial owner of shares of Carver Bancorp, Inc. Common Stock
(the "Common Stock") held by such Managed Portfolios. However,
Koch Asset Management, L.L.C. does not have the right to vote or
to receive any dividends from, or the proceeds from the sale of,
the Common Stock held in such Managed Portfolios and disclaims
any ownership associated with such rights.
Donald Leigh Koch owns 100% of Koch Asset Management, L.L.C. and
serves as the sole Managing Member of Koch Asset Management,
L.L.C. Mr. Koch is filing this joint statement with Koch Asset
Management, L.L.C. as a result of his ownership of and position
in Koch Asset Management, L.L.C., from which Mr. Koch may be deemed
to have the power to exercise any dispositive power that Koch
Asset Management, L.L.C. may have with respect to the Common
Stock held by the Managed Portfolios. Mr. Koch, individually, and
Mr. Koch and his spouse, jointly, own and hold voting power with
respect to Managed Portfolios containing approximately 11,850 and
2,000 shares, respectively, of Common Stock, or an aggregate of
approximately 0.5% of the total number of outstanding shares of
Common Stock (collectively, the "Koch Shares"). Other than with
respect to the Koch Shares, all shares reported herein have been
acquired by Koch Asset Management, L.L.C. and Mr. Koch
specifically disclaims beneficial ownership over any shares of
Common Stock that he or Koch Asset Management, L.L.C. may be
deemed to beneficially own. Furthermore, other than with respect
to the Koch Shares, Mr. Koch does not have the right to vote or
to receive any dividends from, or the proceeds from the sale of, the
securities held in the Managed Portfolios and disclaims any
ownership associated with such rights.
ITEM 5. OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS.
N/A
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[FN]
<F**>Computational Note: Based upon 2,314,275 shares of Common Stock issued and
outstanding as of 12/31/97.
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CUSIP NO. 146875109 PAGE 6 OF 9 PAGES
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ITEM 6. OWNERSHIP OF MORE THAN FIVE PERCENT ON BEHALF OF ANOTHER
PERSON.
N/A
ITEM 7. IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARY
WHICH ACQUIRED THE SECURITY BEING REPORTED ON BY THE
PARENT HOLDING COMPANY.
N/A
ITEM 8. IDENTIFICATION AND CLASSIFICATION OF MEMBERS OF THE
GROUP.
N/A
ITEM 9. NOTICE OF DISSOLUTION OF GROUP.
N/A
ITEM 10. CERTIFICATION.
By signing below I certify that, to the best of my knowledge and
belief, the securities referred to above were acquired in the
ordinary course of business and were not acquired for the purpose
of and do not have the effect of changing or influencing the
control of the issuer of such securities and were not acquired in
connection with or as a participant in any transaction having
such purposes or effect.
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CUSIP NO. 146875109 PAGE 7 OF 9 PAGES
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SIGNATURE
After reasonable inquiry and to the best of my knowledge and belief, I
certify that the information set forth on this statement is true, complete
and correct.
DONALD LEIGH KOCH
2/11/98
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Date
/s/ Donald Leigh Koch
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Signature
Donald Leigh Koch
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Name/Title
KOCH ASSET MANAGEMENT, L.L.C.
2/11/98
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Date
/s/ Donald Leigh Koch
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Signature
Donald Leigh Koch, Managing Member
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Name/Title
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CUSIP NO. 146875109 PAGE 8 OF 9 PAGES
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EXHIBIT INDEX
Exhibit I Joint Filing Agreement
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CUSIP NO. 146875109 PAGE 9 OF 9 PAGES
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EXHIBIT I
TO
SCHEDULE 13G
JOINT FILING AGREEMENT
Pursuant to Rule 13d-1(f)(1) under the Securities Exchange Act of 1934, as
amended, the persons named below agree to the joint filing on behalf of each
of them a Statement on Schedule 13G (including any amendments thereto) with
respect to the Common Stock of Carver Bancorp, Inc. and further agree that
this Joint Filing Agreement be included as an Exhibit to such joint filings.
In evidence thereof, the undersigned hereby execute this Joint Filing
Agreement as of the 12th day of February, 1998.
/s/ Donald Leigh Koch
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Donald Leigh Koch
KOCH ASSET MANAGEMENT, L.L.C.
By: /s/ Donald Leigh Koch
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Donald Leigh Koch, Managing Member
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