SC 13G 1 carver13g03.txt FORM 13-G Item 1. a) Name of Issuer Carver Bancorp, Inc. b) Address of Issuer's Principal Executive Offices 75 W. 125th Street New York, New York 10007 Item 2. a) Name of Person Filing Carver Bancorp, Inc. Employee Stock Ownership Plan b) Address of Principal Business Office or, if none, Residence c/o GreatBanc Trust Company 1301 W. 22nd Street Suite 702 Oak Brook, Illinois 60523 c) Citizenship New York d) Title of Class of Securities Common Stock e) CUSIP Number 146875109 Item 3. If this statement is filed pursuant to 240.13d- 1(b) or 240.13d-22(b) or (c), check whether the person is filing: (f) An employee benefit plan or endowment fund in accordance with 240.13d-1(b)(1)(ii)(F); Item 4. Ownership Provide the following information regarding the aggregate number and percentage of the class of securities of the issuer identified in Item 1. a) Amount beneficially owned: _____99,049______ b) Percent of class: _____4.32_____ c) Number of shares as to which the person has: i. Sole power to vote or to direct the vote: _____0_____ ii. Shared power to vote or to direct the vote: _____99,049_____ iii. Sole power to dispose or to direct the disposition of: _____0_____ iv. Shared power to dispose or to direct the disposition of: _____99,049_____ Instruction. For computations regarding securities which represent a right to acquire an underlying security see 240.13d-3(d)(1). Item 5. Ownership of Five Percent or Less of a Class N/A Item 6. Ownership of More than Five Percent on Behalf of Another Person. Subject to the terms and conditions of the Trust and the related Plan, participants in the Plan are entitled to receive certain distributions or assets held by the Trust. Such distributions may include proceeds from dividends on, or the sale of, shares of Common Stock reflected in this Schedule 13G. The respective participant's accounts may have the right to receive, or direct the receipt of, dividends on, or proceeds from the sale of, the Common Stock. Item 7. Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on By the Parent Holding Company N/A Item 8. Identification and Classification of Members of the Group N/A Item 9. Notice of Dissolution of Group N/A Item 10. Certification By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect. After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct. Date Feb. 13, 2003 Carver Bancorp, Inc. Employee Stock Ownership Plan GreatBanc Trust Company, Trustee Signature /s/John Marino John Marino Vice President