<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE BALANCE
SHEET AND THE STATEMENT OF EARNINGS OF CARVER BANCORP, INC. FOR THE SIX MONTH
PERIOD AT AND ENDED SEPTEMBER 30, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<RESTATED>
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAR-31-2000
<PERIOD-START> APR-01-1999
<PERIOD-END> SEP-30-1999
<CASH> 19,925,414
<INT-BEARING-DEPOSITS> 268,001,033
<FED-FUNDS-SOLD> 11,900,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 29,825,053
<INVESTMENTS-CARRYING> 83,430,206
<INVESTMENTS-MARKET> 81,490,309
<LOANS> 252,683,382
<ALLOWANCE> 3,552,826
<TOTAL-ASSETS> 413,231,895
<DEPOSITS> 279,022,695
<SHORT-TERM> 97,035,549
<LIABILITIES-OTHER> 3,968,620
<LONG-TERM> 896,234
0
0
<COMMON> 23,144
<OTHER-SE> 32,285,653
<TOTAL-LIABILITIES-AND-EQUITY> 413,231,895
<INTEREST-LOAN> 9,738,605
<INTEREST-INVEST> 1,591,116
<INTEREST-OTHER> 327,058
<INTEREST-TOTAL> 13,559,562
<INTEREST-DEPOSIT> 4,352,742
<INTEREST-EXPENSE> 7,143,354
<INTEREST-INCOME-NET> 6,416,208
<LOAN-LOSSES> 380,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 5,977,728
<INCOME-PRETAX> 1,046,329
<INCOME-PRE-EXTRAORDINARY> 1,046,329
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,046,329
<EPS-BASIC> .47
<EPS-DILUTED> .47
<YIELD-ACTUAL> 7.01
<LOANS-NON> 1,682,000
<LOANS-PAST> 1,802,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 4,021,000
<CHARGE-OFFS> 970,000
<RECOVERIES> 122,000
<ALLOWANCE-CLOSE> 3,553,000
<ALLOWANCE-DOMESTIC> 3,553,000
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>