FORM 4 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person * Spencer John F   2. Issuer Name and Ticker or Trading Symbol CARVER BANCORP INC [CARV] 5. Relationship of Reporting Person(s) to Issuer (Check all applicable) _____ Director _____ 10% Owner __X__ Officer (give title below) _____ Other (specify below) SVP & Chief Retail Officer (Last) (First) (Middle) 1688 BROAD STREET, 07 3. Date of Earliest Transaction (Month/Day/Year) 07/22/2010 (Street) BLOOMFIELD, NJ 07003 4. If Amendment, Date Original Filed(Month/Day/Year) 6. Individual or Joint/Group Filing(Check Applicable Line) ___ Form filed by One Reporting Person _X_ Form filed by More than One Reporting Person (City) (State) (Zip) Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned

1.Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4) Code V Amount (A) or (D) Price Restricted Stock 07/22/2010 07/22/2010 A   5,000 A $ 0 0 D   Restricted Stock 07/22/2010 07/22/2010 A   7,500 A $ 0 0 D   Restricted Stock 07/22/2010 07/22/2010 A   5,000 A $ 0 0 D   Restricted Stock 07/22/2010 07/22/2010 A   7,500 A $ 0 0 D

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)

1. Title of Derivative Security (Instr. 3)

2. Conversion or Exercise Price of Derivative Security

3. Transaction Date (Month/Day/Year)

3A. Deemed Execution Date, if any (Month/Day/Year)

4. Transaction Code (Instr. 8)

5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4, and 5)

6. Date Exercisable and Expiration Date (Month/Day/Year)

7. Title and Amount of Underlying Securities (Instr. 3 and 4)

8. Price of Derivative Security (Instr. 5)

9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)

10. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 4)

11. Nature of Indirect Beneficial Ownership (Instr. 4)

Code

V

(A)

(D)

Date Exercisable

Expiration Date

Title

Amount or Number of Shares

Reporting Owners

Reporting Owner Name / Address	Relationships
	Director	10% Owner	Officer	Other
Spencer John F 1688 BROAD STREET 07 BLOOMFIELD, NJ 07003			SVP & Chief Retail Officer
McFadden Chris A 43 GANNET COURT WAYNE, NJ 07470			EVP & Chief Financial Officer
Pinnock Blondel 300 W 135TH STREET APT# 4D NEW YORK, NY 10030			SVP & President of CCDC
RICCA MARK A 43 ROFAY DR EAST NORTHPORT, NY 11731			EVP, Chief Risk Officer & GC

Signatures

Mark Ricca Power of Attorney for John Spencer		07/26/2010
**Signature of Reporting Person		Date
Mark Ricca Power of Attorney for Chris A. McFadden		07/26/2010
**Signature of Reporting Person		Date
Mark Ricca Power of Attorney for Blondel A. Pinnock		07/26/2010
**Signature of Reporting Person		Date
Mark A. Ricca		07/26/2010
**Signature of Reporting Person		Date

Explanation of Responses:

*	If the form is filed by more than one reporting person, see Instruction 4(b)(v).
**	Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).

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