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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
_____________________________________
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(D) OF THE
SECURITIES EXCHANGE ACT OF 1934
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Date of report (Date of earliest event reported): July 29, 2004
CARVER BANCORP, INC.
(Exact name of registrant as specified in its charter)
DELAWARE 0-21487 13-3904147
(State or other (Commission File (IRS Employer
jurisdiction of Number) Identification No.)
incorporation)
75 WEST 125TH STREET
NEW YORK, NEW YORK 10027-4512
(Address of principal executive offices, including zip code)
Registrant's telephone number, including area code: (212) 876-4747
NOT APPLICABLE
(Former name or former address, if changed since last report)
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ITEMS 1 THROUGH 6, 8, 10, 11 AND 12. NOT APPLICABLE.
ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS.
(c) Exhibits
The following exhibits are filed as part of this Report:
99.1 Text of presentation to analysts, dated July 29, 2004, which,
among other things, highlights the Registrant's financial and
operational results and expansion strategy.
ITEM 9. REGULATION FD DISCLOSURE.
Pursuant to Regulation FD, information is being attached as an Exhibit
to this Current Report with respect to a presentation to be made by Deborah C.
Wright, President and Chief Executive Officer, of Carver Bancorp, Inc. at a
meeting with analysts on July 29, 2004. This presentation provides an overview
of Carver Bancorp, Inc.'s financial and operational results and expansion
strategy. The presentation materials will also be posted on the Company's
website on July 29, 2004. The presentation is available by webcast.
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of
1934, as amended, the Registrant has duly caused this report to be signed on its
behalf by the undersigned hereunto duly authorized.
CARVER BANCORP, INC.
By: /s/ Deborah C. Wright
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Deborah C. Wright
President and Chief Executive Officer
Dated: July 29, 2004
EXHIBIT INDEX
EXHIBIT NO. DESCRIPTION
99.1 Text of presentation to analysts, dated
August 29, 2004, which, among other things,
highlights the Registrant's financial and
operational results and expansion strategy.