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        <link:definition>090510 - Disclosure - LOANS, Allowance for Loan Losses (Details)</link:definition>
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  <xs:element name="CommitmentsToOriginateRealEstateLoansForSaleMember" id="cbu_CommitmentsToOriginateRealEstateLoansForSaleMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
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  <xs:element name="DryfoosInsuranceAgencyIncMember" id="cbu_DryfoosInsuranceAgencyIncMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
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  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecuritiesSoldUnderAgreementToRepurchaseShortTerm" id="cbu_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecuritiesSoldUnderAgreementToRepurchaseShortTerm" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
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  <xs:element name="CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodInterestComponentOfCashFlows" id="cbu_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodInterestComponentOfCashFlows" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
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</xs:schema>
