CARVER BANCORP INC — Director's Dealing 2004

Jan 30, 2004

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: CARVER BANCORP INC (CNY)
CIK: 0001016178
Period of Report: 2004-01-29

Reporting Person: MODDY CAROL BALDWIN (Director)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-01-29	Common Stock	A	25	$18.95	Acquired	1125.00	Direct
2004-01-29	Common Stock	A	30	$19.99	Acquired	1155.00	Direct
2004-01-29	Common Stock	A	30	$20.02	Acquired	1185.00	Direct
2004-01-29	Common Stock	A	23	$21.00	Acquired	1208.00	Direct
2004-01-29	Common Stock	A	98	$25.40	Acquired	1306.00	Direct

Footnotes

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