CARVER BANCORP INC — Director's Dealing 2004

Jul 12, 2004

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: CARVER BANCORP INC (CNY)
CIK: 0001016178
Period of Report: 2004-07-09

Reporting Person: MODDY CAROL BALDWIN (Director)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-07-09	Common Stock	A	49	$21.90	Acquired	1557.00	Direct
2004-07-09	Common Stock	A	20	$23.87	Acquired	1577.00	Direct
2004-07-09	Common Stock	A	79	$19.70	Acquired	1656.00	Direct
2004-07-09	Common Stock	A	125	$20.00	Acquired	1781.00	Direct

Footnotes

F1: Payment by Company of director's fees under Compensation Plan for Non-Employee Directors.