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  <xsd:element id="fcbc_WeightedAverageContractualRate" name="WeightedAverageContractualRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
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  <xsd:element abstract="true" id="fcbc_statement-statement-note-3-loans-covered-loan-portfolio-disaggregated-by-class-details" name="statement-statement-note-3-loans-covered-loan-portfolio-disaggregated-by-class-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
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  <xsd:element abstract="true" id="fcbc_statement-statement-note-4-credit-quality-aging-of-past-due-loans-by-loan-class-details" name="statement-statement-note-4-credit-quality-aging-of-past-due-loans-by-loan-class-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcbc_statement-statement-note-4-credit-quality-average-annual-recorded-investment-and-interest-income-recognized-on-impaired-loans-excluding-purchased-credit-impaired-loans-details" name="statement-statement-note-4-credit-quality-average-annual-recorded-investment-and-interest-income-recognized-on-impaired-loans-excluding-purchased-credit-impaired-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcbc_statement-statement-note-4-credit-quality-balance-and-interest-income-related-to-impaired-loan-pools-details" name="statement-statement-note-4-credit-quality-balance-and-interest-income-related-to-impaired-loan-pools-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
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  <xsd:element abstract="true" id="fcbc_statement-statement-note-4-credit-quality-loans-held-for-investment-by-internal-credit-risk-grade-details" name="statement-statement-note-4-credit-quality-loans-held-for-investment-by-internal-credit-risk-grade-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
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  <xsd:element abstract="true" id="fcbc_statement-statement-note-4-credit-quality-tables" name="statement-statement-note-4-credit-quality-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
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  <xsd:element abstract="true" id="fcbc_statement-statement-note-9-derivative-instruments-and-hedging-activities-aggregate-contractual-or-notional-amounts-and-fair-value-of-derivative-financial-instruments-details" name="statement-statement-note-9-derivative-instruments-and-hedging-activities-aggregate-contractual-or-notional-amounts-and-fair-value-of-derivative-financial-instruments-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcbc_statement-statement-note-9-derivative-instruments-and-hedging-activities-effect-of-derivative-and-hedging-activity-on-consolidated-statements-of-income-details" name="statement-statement-note-9-derivative-instruments-and-hedging-activities-effect-of-derivative-and-hedging-activity-on-consolidated-statements-of-income-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
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  <xsd:element abstract="true" id="fcbc_statement-statement-significant-accounting-policies-policies" name="statement-statement-significant-accounting-policies-policies" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
</xsd:schema>
