<?xml version="1.0" encoding="us-ascii"?>
<!-- DFIN ActiveDisclosure(SM) XBRL Schema Document - http://www.dfinsolutions.com/ -->
<!-- Creation Date      : 2021-03-04T18:54:47.8256815+00:00 -->
<!-- Version            : 5.0.1.571 -->
<!-- Package ID         : 6567c4eb04714580a63649b814e159e5 -->
<!-- Copyright (c) 2021 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
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        <link:definition>100970 - Disclosure - Leases (Details)2</link:definition>
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        <link:definition>100980 - Disclosure - Goodwill and Intangible Assets (Details Textual)</link:definition>
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        <link:definition>100990 - Disclosure - Goodwill and Intangible Assets (Details)</link:definition>
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        <link:definition>101000 - Disclosure - Goodwill and Intangible Assets (Details 1)</link:definition>
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        <link:definition>101010 - Disclosure - Interest Bearing Deposits (Details Textual)</link:definition>
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      <link:roleType roleURI="http://www.farmersbankgroup.com/20201231/taxonomy/role/DisclosureInterestBearingDepositsDetails" id="Role_DisclosureInterestBearingDepositsDetails">
        <link:definition>101020 - Disclosure - Interest Bearing Deposits (Details)</link:definition>
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        <link:definition>101030 - Disclosure - Interest Bearing Deposits (Details 1)</link:definition>
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        <link:definition>101040 - Disclosure - Short-term borrowings (Details Textual)</link:definition>
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      <link:roleType roleURI="http://www.farmersbankgroup.com/20201231/taxonomy/role/DisclosureShortTermBorrowingsDetails" id="Role_DisclosureShortTermBorrowingsDetails">
        <link:definition>101050 - Disclosure - Short-term borrowings (Details)</link:definition>
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      <link:roleType roleURI="http://www.farmersbankgroup.com/20201231/taxonomy/role/DisclosureShortTermBorrowingsDetails1" id="Role_DisclosureShortTermBorrowingsDetails1">
        <link:definition>101060 - Disclosure - Short-term borrowings (Details 1)</link:definition>
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      <link:roleType roleURI="http://www.farmersbankgroup.com/20201231/taxonomy/role/DisclosureShortTermBorrowingsDetails2" id="Role_DisclosureShortTermBorrowingsDetails2">
        <link:definition>101070 - Disclosure - Short-term borrowings (Details 2)</link:definition>
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      <link:roleType roleURI="http://www.farmersbankgroup.com/20201231/taxonomy/role/DisclosureLongTermBorrowingsDetails" id="Role_DisclosureLongTermBorrowingsDetails">
        <link:definition>101080 - Disclosure - Long-Term Borrowings (Details)</link:definition>
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        <link:usedOn>link:presentationLink</link:usedOn>
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      <link:roleType roleURI="http://www.farmersbankgroup.com/20201231/taxonomy/role/DisclosureLongTermBorrowingsDetailsTextual" id="Role_DisclosureLongTermBorrowingsDetailsTextual">
        <link:definition>101090 - Disclosure - Long-Term Borrowings (Details Textual)</link:definition>
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      <link:roleType roleURI="http://www.farmersbankgroup.com/20201231/taxonomy/role/DisclosureLongTermBorrowingsDetails1" id="Role_DisclosureLongTermBorrowingsDetails1">
        <link:definition>101100 - Disclosure - Long-Term Borrowings (Details 1)</link:definition>
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        <link:definition>101110 - Disclosure - Commitments and Contingent Liabilities (Details)</link:definition>
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        <link:definition>101120 - Disclosure - Commitments and Contingent Liabilities (Details Textual)</link:definition>
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      <link:roleType roleURI="http://www.farmersbankgroup.com/20201231/taxonomy/role/DisclosureStockBasedCompensationDetailsTextual" id="Role_DisclosureStockBasedCompensationDetailsTextual">
        <link:definition>101130 - Disclosure - Stock Based Compensation (Details Textual)</link:definition>
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        <link:definition>101140 - Disclosure - Stock Based Compensation (Details)</link:definition>
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        <link:definition>101150 - Disclosure - Regulatory Matters (Details Textual)</link:definition>
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        <link:definition>101160 - Disclosure - Regulatory Matters (Details)</link:definition>
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        <link:definition>101170 - Disclosure - Employee Benefit Plans (Details Textual)</link:definition>
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        <link:definition>101180 - Disclosure - Income Taxes (Details)</link:definition>
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        <link:definition>101190 - Disclosure - Income Taxes (Details Textual)</link:definition>
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        <link:definition>101200 - Disclosure - Income Taxes (Details 1)</link:definition>
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        <link:definition>101210 - Disclosure - Income Taxes (Details 2)</link:definition>
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        <link:definition>101220 - Disclosure - Other Comprehensive Income (Loss) (Details)</link:definition>
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        <link:definition>101230 - Disclosure - Related Party Transactions (Details)</link:definition>
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        <link:definition>101240 - Disclosure - Related Party Transactions (Details Textual)</link:definition>
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        <link:definition>101250 - Disclosure - Earnings Per Share (Details)</link:definition>
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        <link:definition>101260 - Disclosure - Earnings Per Share (Details Textual)</link:definition>
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        <link:definition>101270 - Disclosure - Interest Rate Swaps (Details)</link:definition>
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        <link:definition>101280 - Disclosure - Interest Rate Swaps (Details Textual)</link:definition>
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        <link:definition>101290 - Disclosure - Segment Information (Details)</link:definition>
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        <link:definition>101310 - Disclosure - Parent Company Only Condensed Financial Information - Balance Sheets (Details)</link:definition>
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        <link:definition>101330 - Disclosure - Parent Company Only Condensed Financial Information - Statements of Cash Flows (Details)</link:definition>
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  <xsd:element id="fmnb_FederalFundsSoldAndOtherInterestIncome" name="FederalFundsSoldAndOtherInterestIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmnb_MergerRelatedCostsIncomes" name="MergerRelatedCostsIncomes" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmnb_CoreProcessingCharge" name="CoreProcessingCharge" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmnb_InsuranceAgencyCommissionsMember" name="InsuranceAgencyCommissionsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_RetirementPlanConsultingFeesMember" name="RetirementPlanConsultingFeesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_InvestmentCommissionsMember" name="InvestmentCommissionsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_DebitCardAndElectronicFundsTransferFeesMember" name="DebitCardAndElectronicFundsTransferFeesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_StockIssuedDuringPeriodValueTreasuryStockReissuedUnderLongTermIncentivePlan" name="StockIssuedDuringPeriodValueTreasuryStockReissuedUnderLongTermIncentivePlan" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmnb_SharesIssuedUnderLongTermIncentivePlan" name="SharesIssuedUnderLongTermIncentivePlan" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmnb_StockholdersEquityAdjustedBalance" name="StockholdersEquityAdjustedBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmnb_StockIssuedDuringPeriodSharesUnderLongTermIncentivePlan" name="StockIssuedDuringPeriodSharesUnderLongTermIncentivePlan" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_StockIssuedDuringPeriodSharesTreasuryStockReissuedUnderLongTermIncentivePlan" name="StockIssuedDuringPeriodSharesTreasuryStockReissuedUnderLongTermIncentivePlan" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_IssuanceOfStockAwards" name="IssuanceOfStockAwards" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmnb_SecurityPurchasesNotSettled" name="SecurityPurchasesNotSettled" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmnb_InterestBearingDepositsTextBlock" name="InterestBearingDepositsTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_InterestBearingDepositsAbstract" name="InterestBearingDepositsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_CorporateReorganizationPolicyTextBlock" name="CorporateReorganizationPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_NatureOfOperationsPolicyTextBlock" name="NatureOfOperationsPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_ServicingRightsPolicyTextBlock" name="ServicingRightsPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_RestrictedStockPolicyTextBlock" name="RestrictedStockPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_BankOwnedLifeInsurancePolicyTextBlock" name="BankOwnedLifeInsurancePolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_LoanCommitmentsAndRelatedFinancialInstrumentsPolicyTextBlock" name="LoanCommitmentsAndRelatedFinancialInstrumentsPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_DividendRestrictionPolicyTextBlock" name="DividendRestrictionPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_MapleLeafMember" name="MapleLeafMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_PurchasedCreditImpairedLoansTableTextBlock" name="PurchasedCreditImpairedLoansTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_ImpairedLoansAcquiredAccretableYieldChangeTableTextBlock" name="ImpairedLoansAcquiredAccretableYieldChangeTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_ScheduleOfAllowanceForLoanLossByPortfolioSegmentTableTextBlock" name="ScheduleOfAllowanceForLoanLossByPortfolioSegmentTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_PaymentDeferralsByLoanTypeOnFinancingReceivablesTableTextBlock" name="PaymentDeferralsByLoanTypeOnFinancingReceivablesTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_InvestmentInResidentialConsumerAndIndirectAutoLoansBasedOnPaymentActivityTableTextBlock" name="InvestmentInResidentialConsumerAndIndirectAutoLoansBasedOnPaymentActivityTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_MortgageLoansPortfoliosServicedTableTextBlock" name="MortgageLoansPortfoliosServicedTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_ScheduleOfPremisesAndEquipmentSubjectToLeaseAgreementsTableTextBlock" name="ScheduleOfPremisesAndEquipmentSubjectToLeaseAgreementsTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_TimeDepositsByMaturityTableTextBlock" name="TimeDepositsByMaturityTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_ScheduleOfInterestBearingDepositsTableTextBlock" name="ScheduleOfInterestBearingDepositsTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_SummaryOfSecuritiesSoldUnderAgreementsToRepurchaseTableTextBlock" name="SummaryOfSecuritiesSoldUnderAgreementsToRepurchaseTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_ScheduleOfFederalHomeLoanBankAdvancesMaturitiesTableTextBlock" name="ScheduleOfFederalHomeLoanBankAdvancesMaturitiesTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_ScheduleOfLoansAndLeasesReceivableRelatedPartiesTableTextBlock" name="ScheduleOfLoansAndLeasesReceivableRelatedPartiesTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_SummaryOfSignificantAccountingPoliciesAdditionalTextualAbstract" name="SummaryOfSignificantAccountingPoliciesAdditionalTextualAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_SummaryOfSignificantAccountingPoliciesLineItems" name="SummaryOfSignificantAccountingPoliciesLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_SummaryOfSignificantAccountingPoliciesTable" name="SummaryOfSignificantAccountingPoliciesTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_NationalAssociatesIncorporatedMember" name="NationalAssociatesIncorporatedMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_SouthwesternPennsylvaniaMember" name="SouthwesternPennsylvaniaMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_MortgageServicingRightsMember" name="MortgageServicingRightsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_NumberOfLocationsServedByBank" name="NumberOfLocationsServedByBank" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_PeriodOfFederalFundPurchasedAndSold" name="PeriodOfFederalFundPurchasedAndSold" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_DelinquentPeriodOfLoansAfterWhichInterestIncomeIsDiscontinued" name="DelinquentPeriodOfLoansAfterWhichInterestIncomeIsDiscontinued" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_NumberOfCountyEconomyConsiderForCreditRiskPurpose" name="NumberOfCountyEconomyConsiderForCreditRiskPurpose" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_PercentageOfPortfolioLoansSecuredByRealEstate" name="PercentageOfPortfolioLoansSecuredByRealEstate" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_MinimumAmountOfCommercialAndCommercialRealEstateLoansOnWhichImpairmentToBeMade" name="MinimumAmountOfCommercialAndCommercialRealEstateLoansOnWhichImpairmentToBeMade" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmnb_MinimumAmountOfConsumerAndResidentialRealEstateLoansOnWhichImpairmentToBeMade" name="MinimumAmountOfConsumerAndResidentialRealEstateLoansOnWhichImpairmentToBeMade" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmnb_MaximumLoanFinancingPeriod" name="MaximumLoanFinancingPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_SummaryOfSignificantAccountingPoliciesTextualAbstract" name="SummaryOfSignificantAccountingPoliciesTextualAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_PercentageOfTaxBenefitLikelihoodToBeRealizedUponExamination" name="PercentageOfTaxBenefitLikelihoodToBeRealizedUponExamination" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_IncreaseInPercentageOfAllowanceForLoanLosses" name="IncreaseInPercentageOfAllowanceForLoanLosses" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_BusinessCombinationRecognizedIdentifiableAssetsAcquiredSecuritiesAvailableForSale" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredSecuritiesAvailableForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmnb_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositIntangibles" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositIntangibles" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmnb_BusinessCombinationRecognizedIdentifiableAssetsAndLiabilitiesDepositsAssumed" name="BusinessCombinationRecognizedIdentifiableAssetsAndLiabilitiesDepositsAssumed" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmnb_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterestPayableAndOtherLiabilities" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterestPayableAndOtherLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmnb_BusinessAcquisitionsProFormaInterestIncomeExpenseNet" name="BusinessAcquisitionsProFormaInterestIncomeExpenseNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmnb_SmallBusinessAdministrationMember" name="SmallBusinessAdministrationMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_FarmersTrustCompanyMember" name="FarmersTrustCompanyMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_SmallBusinessInvestmentCompanyPartnershipInvestmentsMember" name="SmallBusinessInvestmentCompanyPartnershipInvestmentsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_LocalAndRegionalBankHoldingsAndOtherMiscellaneousEquityFundsMember" name="LocalAndRegionalBankHoldingsAndOtherMiscellaneousEquityFundsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_NumberOfSecuritiesPresentMoreThanSpecifiedPercentage" name="NumberOfSecuritiesPresentMoreThanSpecifiedPercentage" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_DebtSecuritiesAvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract" name="DebtSecuritiesAvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_NumberOfSecurities" name="NumberOfSecurities" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="fmnb_NumberOfSecuritiesOnUnrealizedLossPosition" name="NumberOfSecuritiesOnUnrealizedLossPosition" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="fmnb_OriginatedLoansMember" name="OriginatedLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_AcquiredLoansMember" name="AcquiredLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_CommercialRealEstateOwnerOccupiedMember" name="CommercialRealEstateOwnerOccupiedMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_CommercialRealEstateNonOwnerOccupiedMember" name="CommercialRealEstateNonOwnerOccupiedMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_CommercialRealEstateFarmlandMember" name="CommercialRealEstateFarmlandMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_CommercialRealEstateOtherMember" name="CommercialRealEstateOtherMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_CommercialCommercialAndIndustrialMember" name="CommercialCommercialAndIndustrialMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_ResidentialRealEstateOneToFourFamilyResidentialMember" name="ResidentialRealEstateOneToFourFamilyResidentialMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_CommercialAgriculturalMember" name="CommercialAgriculturalMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_ResidentialRealEstateHomeEquityMember" name="ResidentialRealEstateHomeEquityMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_ConsumerIndirectMember" name="ConsumerIndirectMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_ConsumerDirectMember" name="ConsumerDirectMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_ConsumerOtherMember" name="ConsumerOtherMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAcquiredDuringPeriodContractuallyRequiredPaymentsReceivableAtAcquisitionOutstandingBalance" name="CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAcquiredDuringPeriodContractuallyRequiredPaymentsReceivableAtAcquisitionOutstandingBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmnb_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAcquiredDuringPeriodContractuallyRequiredPaymentsReceivableAtAcquisitionNetCarryingValue" name="CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAcquiredDuringPeriodContractuallyRequiredPaymentsReceivableAtAcquisitionNetCarryingValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmnb_NationalBancsharesCorporationMember" name="NationalBancsharesCorporationMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_TroubledDebtRestructuringsMember" name="TroubledDebtRestructuringsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_SecondThreeMonthPaymentDeferralMember" name="SecondThreeMonthPaymentDeferralMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_SmallBusinessAdministrationSBACARESActPaycheckProtectionProgramMember" name="SmallBusinessAdministrationSBACARESActPaycheckProtectionProgramMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_DebtInstrumentInterestRateReductionPercentage" name="DebtInstrumentInterestRateReductionPercentage" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_DebtInstrumentMaturityDateLengthOfExtensionPeriod" name="DebtInstrumentMaturityDateLengthOfExtensionPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_AllowanceForLoanLossesPeriodIncreaseDecrease" name="AllowanceForLoanLossesPeriodIncreaseDecrease" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmnb_FinancingReceivablePeriodOfModifiedContractuallyPastDueLoansToBeConsideredAsPaymentDefault" name="FinancingReceivablePeriodOfModifiedContractuallyPastDueLoansToBeConsideredAsPaymentDefault" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_NumberOfMonthsOfferedForDeferralPayments" name="NumberOfMonthsOfferedForDeferralPayments" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_NumberOfBusinessCustomers" name="NumberOfBusinessCustomers" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="fmnb_PaymentsReceivedFromForgivenessOfLoans" name="PaymentsReceivedFromForgivenessOfLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmnb_PercentageOfPaymentsReceivedFromForgivenessOfLoans" name="PercentageOfPaymentsReceivedFromForgivenessOfLoans" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_CommercialLoanAndCommercialRealEstateRiskMaximum" name="CommercialLoanAndCommercialRealEstateRiskMaximum" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmnb_CreditQualityIndicatorsAbstract" name="CreditQualityIndicatorsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_CommercialFarmlandMember" name="CommercialFarmlandMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_CommercialAndIndustrialMember" name="CommercialAndIndustrialMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_TrustSegmentMember" name="TrustSegmentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_BankSegmentMember" name="BankSegmentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_ContingentFeesAndCommissionsDebitCardsReceivable" name="ContingentFeesAndCommissionsDebitCardsReceivable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmnb_RevenueFromContractWithCustomerLineItems" name="RevenueFromContractWithCustomerLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_RevenueFromContractWithCustomerTable" name="RevenueFromContractWithCustomerTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_CeteraMember" name="CeteraMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_ContingentFeesAndCommissionsFiduciaryAndTrustActivitiesReceivable" name="ContingentFeesAndCommissionsFiduciaryAndTrustActivitiesReceivable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmnb_ContingentInsuranceCommissionsAndFeesReceivable" name="ContingentInsuranceCommissionsAndFeesReceivable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmnb_PercentageOfInsuranceCommissionsOnRevenues" name="PercentageOfInsuranceCommissionsOnRevenues" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_PercentageOfRetirementPlanConsultingFeesOnRevenues" name="PercentageOfRetirementPlanConsultingFeesOnRevenues" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_ContingentBrokerageCommissionsRevenuePayable" name="ContingentBrokerageCommissionsRevenuePayable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmnb_PercentageOfInvestmentCommissionsOnRevenues" name="PercentageOfInvestmentCommissionsOnRevenues" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_MortgageLoanPortfoliosServicedForAbstract" name="MortgageLoanPortfoliosServicedForAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_AvailableForSaleSecuritiesDebtAndEquity" name="AvailableForSaleSecuritiesDebtAndEquity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmnb_FairValueAssetsAndLiabilitiesLevel1AndLevel2TransfersAmount" name="FairValueAssetsAndLiabilitiesLevel1AndLevel2TransfersAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmnb_CollateralDependentImpairedLoansMember" name="CollateralDependentImpairedLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetRepaymentsCallsAndMaturities" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetRepaymentsCallsAndMaturities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmnb_ProvisionReversalForLoanLossesExpensed" name="ProvisionReversalForLoanLossesExpensed" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmnb_OtherRealEstateOwnedMeasuredAtFairValueNet" name="OtherRealEstateOwnedMeasuredAtFairValueNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmnb_WriteDownOfOtherRealEstateOwned" name="WriteDownOfOtherRealEstateOwned" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmnb_CashCashEquivalentsAndFederalFundsSoldFairValue" name="CashCashEquivalentsAndFederalFundsSoldFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmnb_RestrictedStockFairValue" name="RestrictedStockFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmnb_AccruedInterestReceivableFairValue" name="AccruedInterestReceivableFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmnb_AccruedInterestPayableFairValue" name="AccruedInterestPayableFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmnb_MaximumMaturityPeriodOfShortTermBorrowings" name="MaximumMaturityPeriodOfShortTermBorrowings" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_RightOfUseAssetsMember" name="RightOfUseAssetsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_PremisesAndEquipmentTextualAbstract" name="PremisesAndEquipmentTextualAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_OperatingLeaseRightOfUseAssetGross" name="OperatingLeaseRightOfUseAssetGross" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmnb_OperatingLeaseRightOfUseAssetAccumulatedAmortization" name="OperatingLeaseRightOfUseAssetAccumulatedAmortization" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmnb_OperatingLeaseAndFinancingLeaseWeightedAverageRemainingLeaseTerm" name="OperatingLeaseAndFinancingLeaseWeightedAverageRemainingLeaseTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_LesseeOperatingLeaseAndFinancingLeaseDiscountRate" name="LesseeOperatingLeaseAndFinancingLeaseDiscountRate" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="fmnb_InterestBearingDepositsTextualAbstract" name="InterestBearingDepositsTextualAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_MinimumTimeDeposits" name="MinimumTimeDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmnb_CertificatesOfDepositAndBrokeredTimeDepositsMember" name="CertificatesOfDepositAndBrokeredTimeDepositsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_RepurchaseAdvanceMember" name="RepurchaseAdvanceMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_FixedRateAdvancesMember" name="FixedRateAdvancesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_PledgedSecuritiesPercentageOfRepurchaseAgreementBalances" name="PledgedSecuritiesPercentageOfRepurchaseAgreementBalances" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="fmnb_MaturityPeriodOfRepurchaseAgreement" name="MaturityPeriodOfRepurchaseAgreement" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_AssetsSoldUnderAgreementsToRepurchaseAverageDuringYear" name="AssetsSoldUnderAgreementsToRepurchaseAverageDuringYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmnb_AssetsSoldUnderAgreementsToRepurchaseAverageInterestRateDuringYear" name="AssetsSoldUnderAgreementsToRepurchaseAverageInterestRateDuringYear" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_AssetsSoldUnderAgreementsToRepurchaseMaximumMonthEndDuringYear" name="AssetsSoldUnderAgreementsToRepurchaseMaximumMonthEndDuringYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmnb_AssetsSoldUnderAgreementsToRepurchaseWeightedAverageYearEndInterestRate" name="AssetsSoldUnderAgreementsToRepurchaseWeightedAverageYearEndInterestRate" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_SummaryOfSecuritiesSoldUnderAgreementsToRepurchaseAbstract" name="SummaryOfSecuritiesSoldUnderAgreementsToRepurchaseAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_NumberOfDomesticBank" name="NumberOfDomesticBank" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_SecuritiesSoldUnderAgreementsToRepurchaseAndOtherShortTermBorrowingsAdditionalTextualAbstract" name="SecuritiesSoldUnderAgreementsToRepurchaseAndOtherShortTermBorrowingsAdditionalTextualAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_FederalHomeLoanBankAdvancesBranchOfFHLBAbstract" name="FederalHomeLoanBankAdvancesBranchOfFHLBAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_NotFoundDuringMigrationDeprecatedConceptBankingAndThriftAbstract" name="NotFoundDuringMigrationDeprecatedConceptBankingAndThriftAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_FixedRateConstantPaymentAdvancesMember" name="FixedRateConstantPaymentAdvancesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_ConvertibleAndPutableFixedRateAdvanceMember" name="ConvertibleAndPutableFixedRateAdvanceMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_AdditionalFederalHomeLoanBankAdvancesToBeBorrowUnderCollateralPledge" name="AdditionalFederalHomeLoanBankAdvancesToBeBorrowUnderCollateralPledge" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmnb_TrustPreferredDebentureMember" name="TrustPreferredDebentureMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_SpecialPurposeEntityOneMember" name="SpecialPurposeEntityOneMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_SpecialPurposeEntityTwoMember" name="SpecialPurposeEntityTwoMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_NumberOfSpecialPurposeEntities" name="NumberOfSpecialPurposeEntities" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="fmnb_FairValueOffBalanceSheetRisksDisclosureInformationAbstract" name="FairValueOffBalanceSheetRisksDisclosureInformationAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_CommitmentsAndUnusedLinesOfCreditMember" name="CommitmentsAndUnusedLinesOfCreditMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_FixedRateMember" name="FixedRateMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_VariableRateMember" name="VariableRateMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_CommitmentsAndContingentLiabilitiesAdditionalTextualAbstract" name="CommitmentsAndContingentLiabilitiesAdditionalTextualAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_MaximumCommitmentPeriodToMakeLoans" name="MaximumCommitmentPeriodToMakeLoans" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_CommitmentsAndContingentLiabilitiesTextualAbstract" name="CommitmentsAndContingentLiabilitiesTextualAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_StandbyLettersOfCreditContractualAmount" name="StandbyLettersOfCreditContractualAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmnb_MaximumSubscriptionAmountCommittedInSBICInvestmentFunds" name="MaximumSubscriptionAmountCommittedInSBICInvestmentFunds" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmnb_TwoThousandAndSeventeenIncentivePlanMember" name="TwoThousandAndSeventeenIncentivePlanMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_TimeBasedRestrictedStockAwardsMember" name="TimeBasedRestrictedStockAwardsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_PerformanceBasedRestrictedStockAwardsMember" name="PerformanceBasedRestrictedStockAwardsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_RegulatoryMattersAdditionalTextualAbstract" name="RegulatoryMattersAdditionalTextualAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_TierOneRiskBasedCommonCapitalRequiredForCapitalAdequacyToRiskWeightedAssetsCapitalConservationBufferRatio" name="TierOneRiskBasedCommonCapitalRequiredForCapitalAdequacyToRiskWeightedAssetsCapitalConservationBufferRatio" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="fmnb_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssetsCapitalConservationBufferRatio" name="TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssetsCapitalConservationBufferRatio" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="fmnb_CapitalRequiredForCapitalAdequacyToRiskWeightedAssetsCapitalConservationBufferRatio" name="CapitalRequiredForCapitalAdequacyToRiskWeightedAssetsCapitalConservationBufferRatio" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="fmnb_CapitalConservationBufferRatio" name="CapitalConservationBufferRatio" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="fmnb_CapitalConservationBufferAdditionalCapitalAmountRequired" name="CapitalConservationBufferAdditionalCapitalAmountRequired" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmnb_TierOneRiskBasedCommonCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" name="TierOneRiskBasedCommonCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="fmnb_TierOneCommonCapitalRatioAbstract" name="TierOneCommonCapitalRatioAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_TierOneCommonCapital" name="TierOneCommonCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmnb_TierOneCommonCapitalRatio" name="TierOneCommonCapitalRatio" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="fmnb_TierOneRiskBasedCommonCapitalRequiredForCapitalAdequacy" name="TierOneRiskBasedCommonCapitalRequiredForCapitalAdequacy" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmnb_TierOneRiskBasedCommonCapitalRequiredToBeWellCapitalized" name="TierOneRiskBasedCommonCapitalRequiredToBeWellCapitalized" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmnb_TierOneRiskBasedCommonCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" name="TierOneRiskBasedCommonCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="fmnb_MaximumCompletedServicePeriodForParticipationUnderSavingsPlan" name="MaximumCompletedServicePeriodForParticipationUnderSavingsPlan" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_RetirementSavingsPlanMember" name="RetirementSavingsPlanMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_ProfitSharingPlanMember" name="ProfitSharingPlanMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_DeferredCompensationPlanMember" name="DeferredCompensationPlanMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_DirectorAgeForAnnualRetirementBenefitPlan" name="DirectorAgeForAnnualRetirementBenefitPlan" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_PensionAndOtherPostretirementMaximumYearsForBenefitPayment" name="PensionAndOtherPostretirementMaximumYearsForBenefitPayment" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmnb_IncomeTaxesTextualAbstract" name="IncomeTaxesTextualAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_IncomeTaxLineItems" name="IncomeTaxLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_IncomeTaxTable" name="IncomeTaxTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_LoansAndLeasesReceivableRelatedPartiesRepayments" name="LoansAndLeasesReceivableRelatedPartiesRepayments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmnb_RelatedPartyTransactionsTextualAbstract" name="RelatedPartyTransactionsTextualAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_WeightedAveragePayRateOnInterestRateSwaps" name="WeightedAveragePayRateOnInterestRateSwaps" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="fmnb_WeightedAverageInterestRateReceivedInterestRateSwaps" name="WeightedAverageInterestRateReceivedInterestRateSwaps" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="fmnb_EliminationsAndReconcilingItemsMember" name="EliminationsAndReconcilingItemsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_FarmersNationalCaptiveIncMember" name="FarmersNationalCaptiveIncMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmnb_GainLossOnSaleOfSecuritiesNetIncludingImpairmentOfSecurities" name="GainLossOnSaleOfSecuritiesNetIncludingImpairmentOfSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
</xsd:schema>
