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  <xsd:element name="OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTaxExcludedComponent" id="pfis_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTaxExcludedComponent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="AmortizationOfLowIncomeHousingPartnerships" id="pfis_AmortizationOfLowIncomeHousingPartnerships" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="IncreaseDecreaseInLendingLiabilities" id="pfis_IncreaseDecreaseInLendingLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="PaymentsForRepurchaseOfRestrictedStock" id="pfis_PaymentsForRepurchaseOfRestrictedStock" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="LongTermFixedRate4.69PercentDueMarch2023Member" id="pfis_LongTermFixedRate4.69PercentDueMarch2023Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="GainLossOnSalesOfLoansOriginatedForSale" id="pfis_GainLossOnSalesOfLoansOriginatedForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="IncreaseDecreaseInDepositLiabilities" id="pfis_IncreaseDecreaseInDepositLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="LoanHeldForSaleMember" id="pfis_LoanHeldForSaleMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PaycheckProtectionProgramLoansMember" id="pfis_PaycheckProtectionProgramLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SubordinateNotesDue2030Member" id="pfis_SubordinateNotesDue2030Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DebtInstrumentInterestRateFloatedPercentage" id="pfis_DebtInstrumentInterestRateFloatedPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DebtInstrumentRedemptionNumberOfDaysNotice" id="pfis_DebtInstrumentRedemptionNumberOfDaysNotice" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SubordinatedDebtTextBlock" id="pfis_SubordinatedDebtTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LongTermFederalHomeLoanBankAdvancesAndFederalReserveBank" id="pfis_LongTermFederalHomeLoanBankAdvancesAndFederalReserveBank" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="DebtInstrumentInterestRateInEffect" id="pfis_DebtInstrumentInterestRateInEffect" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InterestRateSwapRevenueMember" id="pfis_InterestRateSwapRevenueMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PaycheckProtectionProgramLoansRoundTwoMember" id="pfis_PaycheckProtectionProgramLoansRoundTwoMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PaycheckProtectionProgramLoansRoundOneMember" id="pfis_PaycheckProtectionProgramLoansRoundOneMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivablesDecreaseInLoansDueToUpgradingCreditLine" id="pfis_FinancingReceivablesDecreaseInLoansDueToUpgradingCreditLine" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="DividendDeclarationPolicyTextBlock" id="pfis_DividendDeclarationPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="UnearnedIncome" id="pfis_UnearnedIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ScenarioLoansIssuedBefore5June2020Member" id="pfis_ScenarioLoansIssuedBefore5June2020Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ScenarioLoansIssuedAfter5June2020Member" id="pfis_ScenarioLoansIssuedAfter5June2020Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PaycheckProtectionProgramLoanTerm" id="pfis_PaycheckProtectionProgramLoanTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="PaycheckProtectionProgramNumberOfLoan" id="pfis_PaycheckProtectionProgramNumberOfLoan" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="PaycheckProtectionProgramDeferralTerm" id="pfis_PaycheckProtectionProgramDeferralTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="IncreaseDecreaseInLoansAndLeasesReceivableDueToInsufficientCashFlows" id="pfis_IncreaseDecreaseInLoansAndLeasesReceivableDueToInsufficientCashFlows" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="NumberOfLoansDowngradedInCreditAssessmentCategoryDueToInsufficientCashFlows" id="pfis_NumberOfLoansDowngradedInCreditAssessmentCategoryDueToInsufficientCashFlows" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivablesDecreaseInLoansDueToDowngradingCreditLine" id="pfis_FinancingReceivablesDecreaseInLoansDueToDowngradingCreditLine" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivablesDecreaseInLoansDueToChargeOffToSecondCredit" id="pfis_FinancingReceivablesDecreaseInLoansDueToChargeOffToSecondCredit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivablesDecreaseInLoansDueToPayoffOfCredit" id="pfis_FinancingReceivablesDecreaseInLoansDueToPayoffOfCredit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableRecordedInvestmentIncreaseDecreaseInLoansNonaccrualStatus" id="pfis_FinancingReceivableRecordedInvestmentIncreaseDecreaseInLoansNonaccrualStatus" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivablesPayoffOfNonAccrualLoans" id="pfis_FinancingReceivablesPayoffOfNonAccrualLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
</xsd:schema>
