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  <xs:element id="lkfn_ProceedsFromPaymentsForShortTermFHLBBorrowings" abstract="false" name="ProceedsFromPaymentsForShortTermFHLBBorrowings" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lkfn_AllowanceForLoanLossesAndCreditQualityTextBlock" abstract="false" name="AllowanceForLoanLossesAndCreditQualityTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="lkfn_InterestAndFeeIncomeNontaxable" abstract="false" name="InterestAndFeeIncomeNontaxable" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lkfn_FeesAndCommissionsMortgageBankingAndServicingNet" abstract="false" name="FeesAndCommissionsMortgageBankingAndServicingNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lkfn_OtherConsumerLoansMember" abstract="true" name="OtherConsumerLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="lkfn_SalesOfSecuritiesAvailableForSaleAbstract" abstract="true" name="SalesOfSecuritiesAvailableForSaleAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="lkfn_CommercialRealEstatesMember" abstract="true" name="CommercialRealEstatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="lkfn_MortgageBankingDerivativeAssetsFairValueDisclosure" abstract="false" name="MortgageBankingDerivativeAssetsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lkfn_UnallocatedMember" abstract="true" name="UnallocatedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="lkfn_FinancingReceivableGeneralBusinessAssetsAmortizedCost" abstract="false" name="FinancingReceivableGeneralBusinessAssetsAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lkfn_ReclassificationAccumulatedOtherComprehensiveIncomeTableTextBlock" abstract="false" name="ReclassificationAccumulatedOtherComprehensiveIncomeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="lkfn_ImpairedLoansFairValueDisclosure" abstract="false" name="ImpairedLoansFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lkfn_OwnerOccupiedLoansMember" abstract="true" name="OwnerOccupiedLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="lkfn_AmountOfVariance" abstract="false" name="AmountOfVariance" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lkfn_BankOwnedLifeInsuranceIncomeLoss" abstract="false" name="BankOwnedLifeInsuranceIncomeLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lkfn_InvestmentInFederalReserveAndFederalHomeLoanBankStockFairValueDisclosure" abstract="false" name="InvestmentInFederalReserveAndFederalHomeLoanBankStockFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lkfn_TreasuryStockSoldAndDistributedUnderDeferredDirectorsPlanValue" abstract="false" name="TreasuryStockSoldAndDistributedUnderDeferredDirectorsPlanValue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lkfn_NonownerOccupiedLoansMember" abstract="true" name="NonownerOccupiedLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="lkfn_FinancingReceivableAmortizedCostAgingAbstract" abstract="true" name="FinancingReceivableAmortizedCostAgingAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="lkfn_TreasuryStockSharesPurchased" abstract="false" name="TreasuryStockSharesPurchased" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="lkfn_AllOtherDepositsFairValue" abstract="false" name="AllOtherDepositsFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lkfn_AssetsPledgedAsCollateralForLoansReceivableTable" abstract="true" name="AssetsPledgedAsCollateralForLoansReceivableTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="lkfn_AgriBusinessAndAgriculturalLoansMember" abstract="true" name="AgriBusinessAndAgriculturalLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="lkfn_ExcessTaxBenefitFromShareBasedCompensationInOperatingActivities" abstract="false" name="ExcessTaxBenefitFromShareBasedCompensationInOperatingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lkfn_InventoryWorkInProcessMember" abstract="true" name="InventoryWorkInProcessMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="lkfn_EstimatedFairValueAndRelatedCarryingValueOfFinancialInstrumentsAbstract" abstract="true" name="EstimatedFairValueAndRelatedCarryingValueOfFinancialInstrumentsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="lkfn_DebtSecuritiesHeldToMaturityUnrealizedLossPositionFairValueTableTextBlock" abstract="false" name="DebtSecuritiesHeldToMaturityUnrealizedLossPositionFairValueTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="lkfn_HeldToMaturitySecuritiesWithMaturitiesFairValue" abstract="false" name="HeldToMaturitySecuritiesWithMaturitiesFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lkfn_UsGovernmentAgenciesSecuritiesFairValueDisclosure" abstract="false" name="UsGovernmentAgenciesSecuritiesFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lkfn_RegulatoryFeesAndFederalDepositInsuranceCorporationInsurance" abstract="false" name="RegulatoryFeesAndFederalDepositInsuranceCorporationInsurance" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lkfn_PercentageOfReceivablesBeforeCreditAllowanceCarryingAmount" abstract="false" name="PercentageOfReceivablesBeforeCreditAllowanceCarryingAmount" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="lkfn_OtherRealEstateOwnedMember" abstract="true" name="OtherRealEstateOwnedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="lkfn_FinancingReceivableAmortizedCost90DaysOrMorePastDueStillAccruing" abstract="false" name="FinancingReceivableAmortizedCost90DaysOrMorePastDueStillAccruing" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lkfn_NumberOfAvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions12MonthsOrMore" abstract="false" name="NumberOfAvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions12MonthsOrMore" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="lkfn_InterestAndFeeIncomeTaxable" abstract="false" name="InterestAndFeeIncomeTaxable" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lkfn_FinishedGoodsMember" abstract="true" name="FinishedGoodsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="lkfn_QuantitativeDisclosureOfAvailableForSaleAndHeldToMaturitySecuritiesTableTextBlock" abstract="false" name="QuantitativeDisclosureOfAvailableForSaleAndHeldToMaturitySecuritiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="lkfn_AssetsPledgedAsCollateralForLoansReceivableLineItems" abstract="true" name="AssetsPledgedAsCollateralForLoansReceivableLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="lkfn_OffsettingDerivativeAssetAbstract" abstract="true" name="OffsettingDerivativeAssetAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="lkfn_ResidentialConstructionAndLandDevelopmentLoansMember" abstract="true" name="ResidentialConstructionAndLandDevelopmentLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="lkfn_LoanAmountOfCreditQualityAnalysis" abstract="false" name="LoanAmountOfCreditQualityAnalysis" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lkfn_LoansForAgriculturalProductionMember" abstract="true" name="LoansForAgriculturalProductionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="lkfn_NumberOfSecuritiesWithUnrealizedLossesAbstract" abstract="true" name="NumberOfSecuritiesWithUnrealizedLossesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="lkfn_OffsettingAssetsAndLiabilityTableTextBlock" abstract="false" name="OffsettingAssetsAndLiabilityTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="lkfn_CashPaidDuringPeriodForAbstract" abstract="true" name="CashPaidDuringPeriodForAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="lkfn_OffsettingAssetsAndLiabilitiesTable" abstract="true" name="OffsettingAssetsAndLiabilitiesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="lkfn_FinancingReceivableAmortizedCostBeforeAllowanceForCreditLossExcludingAccruedInterest" abstract="false" name="FinancingReceivableAmortizedCostBeforeAllowanceForCreditLossExcludingAccruedInterest" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lkfn_MortgageBankingDerivativeLiabilitiesFairValueDisclosure" abstract="false" name="MortgageBankingDerivativeLiabilitiesFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lkfn_AccruedInterestReceivableFairValue" abstract="false" name="AccruedInterestReceivableFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lkfn_AgribusinessAndAgriculturalMember" abstract="true" name="AgribusinessAndAgriculturalMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
</xs:schema>
