WASHINGTON, D.C. 20549

                                   FORM 12b-25
                                                   Commission File No. 001-13007

                           NOTIFICATION OF LATE FILING

(Check One):  |X| Form 10-K [ ] Form 11-K [ ] Form 20-F [ ] Form 10-Q
              [ ] Form 10-D [ ] Form N-SAR ? Form N-CSR

         For Period Ended: March 31, 2009

 [ ] Transition Report on Form 10-K         [ ] Transition Report on Form 10-Q
 [ ] Transition Report on Form 20-F         [ ] Transition Report on Form N-SAR
 [ ] Transition Report on Form 11-K

         For the Transition Period Ended:

  Read Instruction (on back page) Before Preparing Form. Please Print or Type.

Nothing  in this  form  shall be  construed  to imply  that the  Commission  has
verified any information contained herein.

         If the  notification  relates to a portion of the filing checked above,
identify the item(s) to which the notification relates:


Full name of registrant: Carver Bancorp, Inc.
Former name if applicable:
Address of principal executive office (Street and Number):  75 West 125th Street
City, state and zip code: New York, New York 10027

PART II -- RULE 12b-25 (b) AND (c)

         If the subject report could not be filed without unreasonable effort or
expense  and  the  registrant  seeks  relief  pursuant  to Rule  12b-25(b),  the
following should be completed. (Check box if appropriate.)

         (a)      The reasons described in reasonable detail in Part III of this
                  form could not be eliminated  without  unreasonable  effort or

    |X|  (b)      The subject annual report, semi-annual report, transition
                  report on Form 10-K, Form 20-F, Form 11-K, Form N-SAR or Form
                  N-CSR, or portion thereof, will be filed on or before the
                  fifteenth calendar day following the prescribed due date; or
                  the subject quarterly report or transition report on Form 10-Q
                  or subject distribution report on Form 10-D, or portion
                  thereof, will be filed on or before the fifth calendar day
                  following the prescribed due date; and

         (c)      The  accountant's  statement or other exhibit required by Rule
                  12b-25(c) has been attached if applicable.


State below in reasonable  detail why Forms 10-K, 20-F, 11-K, 10-Q, 10-D, N-SAR,
N-CSR, or the transition  report or portion  thereof,  could not be filed within
the prescribed time period.

         The  registrant  requires  additional  time to fully develop  financial
information  necessary  to provide full and  complete  disclosure  in its annual
report on Form 10-K (the "Form 10-K"). As a result, the registrant was unable to
complete the Form 10-K by the prescribed date, without  unreasonable  effort and


(1)      Name and  telephone  number  of  person  to  contact  in regard to this

             Mark A. Ricca                  (212)                  360-8820
         -------------------------     ------------------  --------------------
                   (Name)                (Area Code)         (Telephone Number)

(2)      Have all other periodic  reports  required under Section 13 or 15(d) of
         the  Securities  Exchange  Act of 1934 or Section 30 of the  Investment
         Company Act of 1940 during the  preceding 12 months or for such shorter
         period that the  registrant  was required to file such  report(s)  been
         filed? If the answer is no, identify report(s).
                                                                |X| Yes [ ] No

(3)      It is anticipated that any significant  change in results of operations
         from  the  corresponding  period  for  the  last  fiscal  year  will be
         reflected  by the  earnings  statements  to be  included in the subject
         report or portion thereof?
                                                                [ ] Yes |X| No

         If  so:  attach  an  explanation  of  the  anticipated   change,   both
         narratively and quantitatively,  and if appropriate,  state the reasons
         why a reasonable estimate of the results cannot be made.


                              Carver Bancorp, Inc.
                  (Name of Registrant as Specified in Charter)

Has  caused  this  notification  to be signed on its  behalf by the  undersigned
thereunto duly authorized.

Date:  June 29, 2009             By: /s/ Mark A. Ricca
                                     Mark A. Ricca
                                     Executive Vice President, Chief Risk
                                     Officer and General Counsel