SECURITIES AND EXCHANGE COMMISSION
                            Washington, D.C. 20549


                                 SCHEDULE 13G
                   Under the Securities Exchange Act of 1934
                              (Amendment No. 10)*


                             Carver Bancorp, Inc.
------------------------------------------------------------------------------
                               (Name of Issuer)


                         Common Stock, par value $0.01
------------------------------------------------------------------------------
                        (Title of Class of Securities)


                                   14687510
                          --------------------------
                                (CUSIP Number)


                               December 31, 2007
------------------------------------------------------------------------------
            (Date of Event which Requires Filing of this Statement)



Check the appropriate box to designate the rule pursuant to which this
Schedule is filed:

                           [ X ]    Rule 13d-1(b)
                           [ X ]    Rule 13d-1(c)
                           [   ]    Rule 13d-1(d)


                  *The remainder of this cover page shall be filled out for a
reporting person's initial filing on this form with respect to the subject
class of securities, and for any subsequent amendment containing information
which would alter the disclosures provided in a prior cover page.

                  The information required in the remainder of this cover page
shall not be deemed to be "filed" for the purpose of Section 18 of the
Securities Exchange Act of 1934 ("Act") or otherwise subject to the
liabilities of that section of the Act but shall be subject to all other
provisions of the Act (however, see the Notes).


                               Page 1 of 5 pages





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CUSIP No. 14687510                                      Page 2 of 7 Pages
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================================================================================
     1       NAMES OF REPORTING PERSONS

             Donald Leigh Koch

--------------------------------------------------------------------------------
     2       CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
                                                                        (a) [ ]
                                                                        (b) [ ]

--------------------------------------------------------------------------------
     3       SEC USE ONLY

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     4       CITIZENSHIP OR PLACE OF ORGANIZATION

             United States

--------------------------------------------------------------------------------
                             5      SOLE VOTING POWER
   NUMBER OF                        59,000

    SHARES                ------------------------------------------------------
                             6      SHARED VOTING POWER
 BENEFICIALLY                       0

   OWNED BY               ------------------------------------------------------
                             7      SOLE DISPOSITIVE POWER
     EACH                           224,050

  REPORTING               ------------------------------------------------------
                             8      SHARED DISPOSITIVE POWER
   PERSON                           0

    WITH

--------------------------------------------------------------------------------
     9       AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
             224,050*

--------------------------------------------------------------------------------
    10       CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN
             SHARES                                                          [ ]

--------------------------------------------------------------------------------
    11       PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)
             8.98%**

--------------------------------------------------------------------------------
    12       TYPE OF REPORTING PERSON
             IN

--------------------------------------------------------------------------------

             *See Item 4 of this Schedule 13G

             **Based on 2,494,771 shares of Common Stock issued and outstanding
               as of 12/31/07
================================================================================



                               Page 2 of 5 pages






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CUSIP No. 14687510                                      Page 3 of 7 Pages
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--------------------------


================================================================================
     1       NAMES OF REPORTING PERSONS
             I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS:
             Koch Asset Management, L.L.C.; 43-1746061

--------------------------------------------------------------------------------
     2       CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
                                                                        (a) [ ]
                                                                        (b) [ ]

--------------------------------------------------------------------------------
     3       SEC USE ONLY

--------------------------------------------------------------------------------
     4       CITIZENSHIP OR PLACE OF ORGANIZATION

             Missouri

--------------------------------------------------------------------------------
                             5      SOLE VOTING POWER
   NUMBER OF                        0

    SHARES                ------------------------------------------------------
                             6      SHARED VOTING POWER
 BENEFICIALLY                       0

   OWNED BY               ------------------------------------------------------
                             7      SOLE DISPOSITIVE POWER
     EACH                           224,050

  REPORTING               ------------------------------------------------------
                             8      SHARED DISPOSITIVE POWER
   PERSON                           0

    WITH

--------------------------------------------------------------------------------
     9       AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
             224,050*

--------------------------------------------------------------------------------
    10       CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN
             SHARES                                                          [ ]

--------------------------------------------------------------------------------
    11       PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)
             8.98%**

--------------------------------------------------------------------------------
    12       TYPE OF REPORTING PERSON
             IA

--------------------------------------------------------------------------------

             *See Item 4 of this Schedule 13G

             **Based on 2,494,771 shares of Common Stock issued and outstanding
               as of 12/31/07
================================================================================


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CUSIP No. 14687510                                      Page 4 of 7 Pages
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ITEM 1.           (a) Name of Issuer:

                                    Carver Bancorp, Inc.

                  (b) Address of Issuer's Principal Executive Offices:

                                    75 West 125th St.
                                    New York, NY 10027-4512

ITEM 2.           (a) Name of Person Filing:

                                    Donald Leigh Koch
                                    Koch Asset Management, L.L.C.

                                    The Reporting Persons are making a joint
                      filing pursuant to a Joint Filing Agreement filed with
                      Amendment No. 1 to Schedule 13G.

                  (b) Address of Principal Business Offices or, if none,
                      Residence:

                                    The business address of each Reporting
                      Person is 1293 Mason Road, Town & Country, MO 63131

                  (c) Citizenship:

                                    Donald Koch is a citizen of the United
                      States of America. Koch Asset Management is a citizen of
                      Missouri.

                  (d) Title of Class of Securities:

                                    Common Stock

                  (e) CUSIP Number:

                                    14687510

ITEM 3.           IF THIS STATEMENT IS FILED PURSUANT TO SECTION 240.13d-1(b) OR
                  SECTIONS 240.13d-2(b) OR (c), CHECK WHETHER THE PERSON FILING
                  IS A:

                  (a) [ ] Broker or Dealer registered under Section 15 of the
                          Act (15 U.S.C. 78o)
                  (b) [ ] Bank as defined in Section 3(a)(6) of the Act
                          (15 U.S.C. 78c)
                  (c) [ ] Insurance Company as defined in Section 3(a)(19)
                          of the Act (15 U.S.C. 78c)


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CUSIP No. 14687510                                      Page 5 of 7 Pages
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                  (d) [ ] Investment Company registered under Section 8 of the
                          Investment Company Act of 1940 (15 U.S.C. 809-8)

                  (e) [X] An investment adviser in accordance with Section
                          240.13d-1(b)(1)(ii)(E)

                  (f) [ ] An employee benefit plan or endowment fund in
                          accordance with Section 240.13d-1(b)(1)(ii)(F)

                  (g) [ ] A parent holding company or control person, in
                          accordance with Section 240.13d-1(b)(ii)(G)

                  (h) [ ] A savings association as defined in Section 3(b) of
                          the Federal Deposit Insurance Act (12 U.S.C. 1813)

                  (i) [ ] A church plan that is excluded from the definition
                          of an investment company under section 3(c)(14) of the
                          Investment Company Act of 1940 (15 U.S.C. 80-a-3)

                  (j) [ ] Group, in accordance with Section
                          240.13d-1(b)(1)(ii)(J)

                  Koch Asset Management, L.L.C. is an investment advisor in
                  accordance with Section 240.13d-1(b)(1)(ii)(E) and has filed
                  this Amendment 10 to Schedule 13G pursuant to Section
                  240.13d-1(b). Donald Leigh Koch has filed this Amendment 10
                  to Schedule 13G pursuant to Section 240.13d-1(c).

ITEM 4.           OWNERSHIP.

                  The information in items 1 and 5-11 on each of the cover
                  pages of this Schedule 13G is hereby incorporated by
                  reference.

                  Koch Asset Management, L.L.C. is a registered investment
                  adviser which furnishes investment advice to individual
                  clients by exercising trading authority over securities held
                  in accounts on behalf of such clients (collectively, the
                  "Managed Portfolios"). In its role as an investment adviser
                  to the Managed Portfolios, Koch Asset Management has sole
                  dispositive power over the Managed Portfolios and, as a
                  result, may be deemed to be the beneficial owner of shares
                  of Carver Bancorp, Inc. Common Stock (the "Common Stock")
                  held by such Managed Portfolios. However, Koch Asset
                  Management does not have the right to vote or to receive any
                  dividends from, or the proceeds from the sale of, the Common
                  Stock held in such Managed Portfolios and disclaims any
                  ownership associated with such rights.

                  Donald Leigh Koch owns 100% of Koch Asset Management and
                  serves as the sole Managing Member. Mr. Koch is filing this
                  joint statement with Koch Asset Management as a result of
                  his ownership of and position in Koch Asset Management, from
                  which Mr. Koch may be deemed to have the power to exercise
                  any dispositive power that Koch Asset Management may have
                  with respect to the Common Stock held by the Managed
                  Portfolios. Mr. Koch, individually, and Mr. Koch and his
                  spouse, jointly, own and hold voting power with respect to
                  Managed Portfolios containing approximately 59,000 shares of
                  Common Stock, or an


                                    - 5 -





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CUSIP No. 14687510                                      Page 6 of 7 Pages
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                  aggregate of approximately 2.36% of the total number of
                  outstanding shares of Common Stock (collectively, the "Koch
                  Shares"). Other than with respect to the Koch Shares, all
                  shares reported herein have been acquired by Koch Asset
                  Management and Mr. Koch specifically disclaims beneficial
                  ownership over any shares of Common Stock that he or Koch
                  Asset Management may be deemed to beneficially own.
                  Furthermore, other than with respect to the Koch Shares, Mr.
                  Koch does not have the right to vote or to receive any
                  dividends from, or the proceeds from the sale of, the
                  securities held in the Managed Portfolios and disclaims any
                  ownership associated with such rights.

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.

                  Each advisory client of Koch Asset Management who owns
                  Common Stock in a Managed Portfolio has the right to receive
                  dividends from, or the proceeds from the sale of, the Common
                  Stock held in the client's Managed Portfolio.

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.          CERTIFICATIONS.

                  By signing below I certify that, to the best of my knowledge
                  and belief, the securities referred to above were acquired
                  in the ordinary course of business and were not acquired for
                  the purpose of and do not have the effect of changing or
                  influencing the control of the issuer of such securities and
                  were not acquired in connection with or as a participant in
                  any transaction having such purposes or effect.



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CUSIP No. 14687510                                      Page 7 of 7 Pages
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                                   SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify
that the information set forth on this statement is true, complete and
correct.

                                     DONALD LEIGH KOCH


                                     March 21, 2008
                                     -------------------------------------------
                                     Date


                                      /s/ Donald L. Koch
                                     -------------------------------------------
                                     Signature


                                     Donald Leigh Koch
                                     -------------------------------------------
                                     Name/Title



                                     KOCH ASSET MANAGEMENT, L.L.C.


                                     March 21, 2008
                                     -------------------------------------------
                                     Date


                                      /s/ Donald L. Koch
                                     -------------------------------------------
                                     Signature


                                     Donald Leigh Koch, Managing Member
                                     -------------------------------------------
                                     Name/Title




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