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                <link:definition>040307 - Disclosure - LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES, (Narratives) (Details)</link:definition>
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                <link:definition>040350 - Disclosure - MORTGAGE BANKING ACTIVITIES (Unpaid principal balance of residential mortgage loans) (Details)</link:definition>
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                <link:usedOn>link:definitionLink</link:usedOn>
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            <link:roleType roleURI="http://ccbg.com/role/MORTGAGEBANKINGACTIVITIESMortgageBankingRevenueDetails" id="ELRID_DisclosureMORTGAGEBANKINGACTIVITIESMortgageBankingRevenueDetails">
                <link:definition>040351 - Disclosure - MORTGAGE BANKING ACTIVITIES (Mortgage banking revenue) (Details)</link:definition>
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                <link:usedOn>link:definitionLink</link:usedOn>
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            <link:roleType roleURI="http://ccbg.com/role/MORTGAGEBANKINGACTIVITIESSummaryOfMortgageServicingRightsDetails" id="ELRID_DisclosureMORTGAGEBANKINGACTIVITIESSummaryOfMortgageServicingRightsDetails">
                <link:definition>040352 - Disclosure - MORTGAGE BANKING ACTIVITIES (Summary of mortgage servicing rights) (Details)</link:definition>
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                <link:usedOn>link:definitionLink</link:usedOn>
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            <link:roleType roleURI="http://ccbg.com/role/MORTGAGEBANKINGACTIVITIESCapitalizedMortgageServicingRightsDetails" id="ELRID_MORTGAGEBANKINGACTIVITIESCapitalizedMortgageServicingRightsDetails">
                <link:definition>040353 - Disclosure - MORTGAGE BANKING ACTIVITIES (Capitalized mortgage servicing rights) (Details)</link:definition>
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                <link:definition>040354 - Disclosure - MORTGAGE BANKING ACTIVITIES (Key unobservable inputs used in determining the fair value) (Details)</link:definition>
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                <link:usedOn>link:definitionLink</link:usedOn>
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            <link:roleType roleURI="http://ccbg.com/role/MORTGAGEBANKINGACTIVITIESWarehouseLineBorrowingsDetails" id="ELRID_MORTGAGEBANKINGACTIVITIESWarehouseLineBorrowingsDetails">
                <link:definition>040355 - Disclosure - MORTGAGE BANKING ACTIVITIES (Warehouse Line Borrowings) (Details)</link:definition>
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            <link:roleType roleURI="http://ccbg.com/role/MORTGAGEBANKINGACTIVITIESNarrativeDetails" id="ELRID_MORTGAGEBANKINGACTIVITIESNarrativeDetails">
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            <link:roleType roleURI="http://ccbg.com/role/MORTGAGEBANKINGACTIVITIESTables" id="ELRID_DisclosureMORTGAGEBANKINGACTIVITIESTables">
                <link:definition>030250 - Disclosure - MORTGAGE BANKING ACTIVITIES (Tables)</link:definition>
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                <link:definition>040703 - Disclosure - FAIR VALUE MEASUREMENTS (Narratives) (Details)</link:definition>
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                <link:definition>040602 - Disclosure - COMMITMENTS AND CONTINGENCIES (Allowance for credit losses for off-balance sheet credit commitments) (Details)</link:definition>
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                <link:usedOn>link:definitionLink</link:usedOn>
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            <link:roleType roleURI="http://ccbg.com/role/DERIVATIVES" id="ELRID_DERIVATIVES">
                <link:definition>010451 - Disclosure - DERIVATIVES</link:definition>
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                <link:usedOn>link:definitionLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
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            <link:roleType roleURI="http://ccbg.com/role/DERIVATIVESTables" id="ELRID_DisclosureDERIVATIVESTables">
                <link:definition>030263 - Disclosure - DERIVATIVES (Tables)</link:definition>
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                <link:usedOn>link:definitionLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
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            <link:roleType roleURI="http://ccbg.com/role/DERIVATIVESCashFlowHedgesIncludedInTheConsolidatedStatementOfFinancialConditionDetails" id="ELRID_DERIVATIVESCashFlowHedgesIncludedInTheConsolidatedStatementOfFinancialConditionDetails">
                <link:definition>040360 - Disclosure - DERIVATIVES (Cash flow hedges included in the Consolidated Statement of Financial Condition) (Details)</link:definition>
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                <link:usedOn>link:definitionLink</link:usedOn>
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                <link:definition>040361 - Disclosure - DERIVATIVES (Net gains (losses) recorded in accumulated other comprehensive income) (Details)</link:definition>
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            <link:roleType roleURI="http://ccbg.com/role/BUSINESSANDBASISOFPRESENTATIONNarrativeDetails" id="ELRID_BUSINESSANDBASISOFPRESENTATIONNarrativeDetails">
                <link:definition>040101 - Disclosure - BUSINESS AND BASIS OF PRESENTATION - Narrative (Details)</link:definition>
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                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
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                <link:definition>040812 - Disclosure - SUBSEQUENT EVENTS (Narrative) (Details)</link:definition>
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    <element name="ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueTableTextBlock" id="ccbg_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="ScheduleOfAmortizedCostBasisOfCollateralDependentLoansTableTextBlock" id="ccbg_ScheduleOfAmortizedCostBasisOfCollateralDependentLoansTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="RealEstateSecuredMember" id="ccbg_RealEstateSecuredMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="NonRealEstateSecuredMember" id="ccbg_NonRealEstateSecuredMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="ValuationReserveForCollateralDependentLoans" id="ccbg_ValuationReserveForCollateralDependentLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
    <element name="ResidentialMortgageLoansHeldForSaleMember" id="ccbg_ResidentialMortgageLoansHeldForSaleMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="MortgageBankingDerivativeLiabilityMember" id="ccbg_MortgageBankingDerivativeLiabilityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="MortgageBankingDerivativeAssetMember" id="ccbg_MortgageBankingDerivativeAssetMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="OffBalanceSheetCreditCommitmentsMember" id="ccbg_OffBalanceSheetCreditCommitmentsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="ForeclosedRealEstateExpenseOrIncome" id="ccbg_ForeclosedRealEstateExpenseOrIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
    <element name="PreTaxCumulativeEffectTransitionAdjustment" id="ccbg_PreTaxCumulativeEffectTransitionAdjustment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
    <element name="WeightedAveragePrepaymentSpeed" id="ccbg_WeightedAveragePrepaymentSpeed" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" />
    <element name="AllowanceForCreditLossesForOffBalanceSheetCreditCommitmentsTableTextBlock" id="ccbg_AllowanceForCreditLossesForOffBalanceSheetCreditCommitmentsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="MaximumLineOfCreditFacilityExtendedToRelatedRelatedParty" id="ccbg_MaximumLineOfCreditFacilityExtendedToRelatedRelatedParty" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
    <element name="LoansAndLeasesReceivableNetDeferredCosts" id="ccbg_LoansAndLeasesReceivableNetDeferredCosts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
    <element name="FinancingReceivableNonaccrualWithAllowance" id="ccbg_FinancingReceivableNonaccrualWithAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
    <element name="NumberOfOfficesToLease" id="ccbg_NumberOfOfficesToLease" type="xbrli:integerItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" />
    <element name="InterestRateSwapDerivativeAsset" id="ccbg_InterestRateSwapDerivativeAsset" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
    <element name="ReclassificationToTemporaryFromPermanentEquity" id="ccbg_ReclassificationToTemporaryFromPermanentEquity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="GainLossRecognizedInAccumulatedOtherComprehensiveIncomeDuirngPeriodFromDerivativeInstruments" id="ccbg_GainLossRecognizedInAccumulatedOtherComprehensiveIncomeDuirngPeriodFromDerivativeInstruments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="AccumumlatedOtherComprehensiveInocmeLossAbstract" id="ccbg_AccumumlatedOtherComprehensiveInocmeLossAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="NetAdditionsForCapitalizedMortgageServicingRights" id="ccbg_NetAdditionsForCapitalizedMortgageServicingRights" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="MortgageBankingIrlcDerivativeMember" id="ccbg_MortgageBankingIrlcDerivativeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="MortgageServicingRightsMember" id="ccbg_MortgageServicingRightsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="CapitalCityHomeLoansMember" id="ccbg_CapitalCityHomeLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="ChangeInFinancingReceivableAllowance" id="ccbg_ChangeInFinancingReceivableAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="DelinquentOrDefaultedMortgageLoansMember" id="ccbg_DelinquentOrDefaultedMortgageLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="StrategicWealthGroupLlcMember" id="ccbg_StrategicWealthGroupLlcMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="ThirdPartyBankMember" id="ccbg_ThirdPartyBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="NumberOfLoansContracts" id="ccbg_NumberOfLoansContracts" type="xbrli:integerItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="NumberOfOfficesAcquired" id="ccbg_NumberOfOfficesAcquired" type="xbrli:integerItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="CchlSubsidiaryMember" id="ccbg_CchlSubsidiaryMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="FinancingReceivableAllowanceForCreditLossNetChargeOffOrNetRecovery" id="ccbg_FinancingReceivableAllowanceForCreditLossNetChargeOffOrNetRecovery" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
    <element name="EquitySecuiritesBankStocksMember" id="ccbg_EquitySecuiritesBankStocksMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="ResidentialMortgageLoansHeldForSale30To60DaysOutstanding" id="ccbg_ResidentialMortgageLoansHeldForSale30To60DaysOutstanding" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
    <element name="LineofcreditoneMember" id="ccbg_LineofcreditoneMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="ThreeLeaseArrangementsMember" id="ccbg_ThreeLeaseArrangementsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="FourthLeaseArrangementMember" id="ccbg_FourthLeaseArrangementMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="BanktechVenturesMember" id="ccbg_BanktechVenturesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="FairValueSwapMember" id="ccbg_FairValueSwapMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="OtherEquitySecurities" id="ccbg_OtherEquitySecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
    <element name="CorporateDebtAndAssetBackedSecuritiesMember" id="ccbg_CorporateDebtAndAssetBackedSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="NetTaxBenefitFromStockBasedCompensation" id="ccbg_NetTaxBenefitFromStockBasedCompensation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="PercentageOfAllowanceForCreditLossToTotalAllowanceForCreditLossOutstanding" id="ccbg_PercentageOfAllowanceForCreditLossToTotalAllowanceForCreditLossOutstanding" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" />
    <element name="MunicipalAndCorporateBondsMember" id="ccbg_MunicipalAndCorporateBondsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="PurchaseOfRealEstateSecuredAdjustableRateLoans" id="ccbg_PurchaseOfRealEstateSecuredAdjustableRateLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
</schema>
