<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 NINE-MONTH
PERIOD ENDED DECEMBER 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<RESTATED>
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> MAR-31-2000
<PERIOD-START> APR-01-1999
<PERIOD-END> DEC-31-1999
<CASH> 20,188,724
<INT-BEARING-DEPOSITS> 266,733,090
<FED-FUNDS-SOLD> 8,600,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 29,832,492
<INVESTMENTS-CARRYING> 81,026,390
<INVESTMENTS-MARKET> 78,550,552
<LOANS> 256,007,396
<ALLOWANCE> 3,227,338
<TOTAL-ASSETS> 412,509,228
<DEPOSITS> 277,354,563
<SHORT-TERM> 97,030,524
<LIABILITIES-OTHER> 4,371,401
<LONG-TERM> 803,076
0
0
<COMMON> 23,144
<OTHER-SE> 32,926,520
<TOTAL-LIABILITIES-AND-EQUITY> 412,509,228
<INTEREST-LOAN> 14,649,746
<INTEREST-INVEST> 5,358,272
<INTEREST-OTHER> 511,993
<INTEREST-TOTAL> 20,520,011
<INTEREST-DEPOSIT> 6,492,359
<INTEREST-EXPENSE> 10,643,082
<INTEREST-INCOME-NET> 9,876,929
<LOAN-LOSSES> 605,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 9,179,850
<INCOME-PRETAX> 1,618,549
<INCOME-PRE-EXTRAORDINARY> 1,618,549
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,595,549
<EPS-BASIC> .72
<EPS-DILUTED> .72
<YIELD-ACTUAL> 7.07
<LOANS-NON> 2,344,000
<LOANS-PAST> 67,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 4,021,000
<CHARGE-OFFS> 1,723,000
<RECOVERIES> 324,000
<ALLOWANCE-CLOSE> 3,227,000
<ALLOWANCE-DOMESTIC> 3,227,000
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
