Carver Federal Savings, the largest black-run thrift in the nation, reported a drop in earnings for its fiscal 1995 third quarter, but core earnings rose sharply.

Net income for the quarter, ended Dec. 31, 1994, dropped to $166,416, compared with $257,777 for the previous third quarter. For the nine months, it earned $606,594, compared with $993,064 in the comparable 1994 period.

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