CARVER BANCORP INC — Director's Dealing 2004

Oct 5, 2004

SEC Form 3 — Initial Statement of Beneficial Ownership

Issuer: CARVER BANCORP INC (CNY)
CIK: 0001016178
Period of Report: 2004-10-04

Reporting Person: Hargraves David A (SVP & Chief Retail Officer)

Holdings (Non-Derivative)

Security	Shares	Ownership
Common Stock	1000	Direct

Holdings (Derivative)

Security	Exercise Price	Expiration	Underlying	Shares	Ownership
Stock Option (right to buy)	$0.00	2014-10-03	Common Stock (1500.00)		Direct

Footnotes

F1: Vests in three equal annual installments beginning one year from date of grant.