Item 2.02 Results of Operation and Financial Condition.

On August 14, 2008, Carver Bancorp, Inc. (the "Company") issued a press release reporting financial results for the first quarter of its 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 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 First Quarter 2009 Results", dated August 14, 2008.

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