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    <import namespace="http://fasb.org/us-types/2018-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2018/elts/us-types-2018-01-31.xsd" />
    <import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" />
    <import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" />
    <import namespace="http://xbrl.sec.gov/country/2017-01-31" schemaLocation="http://xbrl.sec.gov/country/2017/country-2017-01-31.xsd" />
    <import namespace="http://fasb.org/srt/2018-01-31" schemaLocation="http://xbrl.fasb.org/srt/2018/elts/srt-2018-01-31.xsd" />
    <element id="cofs_StockDividendPaid" name="StockDividendPaid" nillable="true" xbrli:periodType="duration" type="num:percentItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_TierOneCommonEquity" name="TierOneCommonEquity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_TierOneCapitalEquityToAverageAssets" name="TierOneCapitalEquityToAverageAssets" nillable="true" xbrli:periodType="instant" type="num:percentItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_TierOneCapitalEuityRequiredForCapitalAdequacy" name="TierOneCapitalEuityRequiredForCapitalAdequacy" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_TierOneCapitalEquityRequiredForCapitalAdequacyToAverageAssets" name="TierOneCapitalEquityRequiredForCapitalAdequacyToAverageAssets" nillable="true" xbrli:periodType="instant" type="num:percentItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_TierOneCapitalEquityRequiredToBeWellCapitalized" name="TierOneCapitalEquityRequiredToBeWellCapitalized" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_TierOneCapitalEquityRequiredToBeWellCapitalizedToAverageAssets" name="TierOneCapitalEquityRequiredToBeWellCapitalizedToAverageAssets" nillable="true" xbrli:periodType="instant" type="num:percentItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_InvestmentInChoiceoneBank" name="InvestmentInChoiceoneBank" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_InterestAndDividendsFromChoiceoneBank" name="InterestAndDividendsFromChoiceoneBank" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_EquityInUndistributedNetIncomeOfSubsidiaries" name="EquityInUndistributedNetIncomeOfSubsidiaries" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_LoansAndLeasesReceivableRelatedPartiesEffectOfChangesInRelatedParties" name="LoansAndLeasesReceivableRelatedPartiesEffectOfChangesInRelatedParties" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_LowIncomeHousingTaxCredits" name="LowIncomeHousingTaxCredits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_ChangeInMarketValueOfEquitySecurities" name="ChangeInMarketValueOfEquitySecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_EquitySecuritiesAtFairValue" name="EquitySecuritiesAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_LoansAndLeasesReceivableOtherFinancialInstitution" name="LoansAndLeasesReceivableOtherFinancialInstitution" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_NetChangeInFederalFundsPurchased" name="NetChangeInFederalFundsPurchased" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_BankedOwnedLifeInsurancePolicyTextBlock" name="BankedOwnedLifeInsurancePolicyTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_LoanServicingRightsPolicyTextBlock" name="LoanServicingRightsPolicyTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_DividendRestrictionsPolicyTextBlock" name="DividendRestrictionsPolicyTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_ScheduleOfActivityInSecondarMarketLoansTableTextBlock" name="ScheduleOfActivityInSecondarMarketLoansTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_ScheduleOfOtherRealEstateOwnedTableTextBlock" name="ScheduleOfOtherRealEstateOwnedTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_ScheduleOfDepositsOutstandingTableTextBlock" name="ScheduleOfDepositsOutstandingTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_ScheduleOfMaturitiesOfTimeDepositsTableTableTextBlock" name="ScheduleOfMaturitiesOfTimeDepositsTableTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_ScheduleOfMaturitiesOfFHLBAdvancesTableTextBlock" name="ScheduleOfMaturitiesOfFHLBAdvancesTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_AccumulatedOtherComprehensiveIncomeLossTax" name="AccumulatedOtherComprehensiveIncomeLossTax" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_NetGainsAndLossesRecognizedDuringPeriodOnSecuritiesSold" name="NetGainsAndLossesRecognizedDuringPeriodOnSecuritiesSold" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_MortgageLoansServicedForOthers" name="MortgageLoansServicedForOthers" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_InterestBearingDomesticDepositBrokeredCertificatesOfDeposits" name="InterestBearingDomesticDepositBrokeredCertificatesOfDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_TimeDeposits250000OrMore" name="TimeDeposits250000OrMore" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_CertificatesOfDepositIssuedThroughCdars" name="CertificatesOfDepositIssuedThroughCdars" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_AverageBalanceSecuritiesSold" name="AverageBalanceSecuritiesSold" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_AverageInterestRatePaidDuringYear" name="AverageInterestRatePaidDuringYear" nillable="true" xbrli:periodType="duration" type="num:percentItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_MaximumMonthEndBalance" name="MaximumMonthEndBalance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_FederalHomeLoanBankAdvancesDueDateEarliest" name="FederalHomeLoanBankAdvancesDueDateEarliest" nillable="true" xbrli:periodType="duration" type="xbrli:gYearMonthItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_ImpairedLoansFairValueDisclosure" name="ImpairedLoansFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_AccruedInterestReceivableFairValue" name="AccruedInterestReceivableFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_AccruedInterestPayableFairValueDisclosure" name="AccruedInterestPayableFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_InterestRateCommitmentsToExtendCredit" name="InterestRateCommitmentsToExtendCredit" nillable="true" xbrli:periodType="duration" type="num:percentItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_TermCommitmentsToExtendCredit" name="TermCommitmentsToExtendCredit" nillable="true" xbrli:periodType="duration" type="xbrli:durationItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingPriorToStockDividend1InPeriod" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingPriorToStockDividend1InPeriod" nillable="true" xbrli:periodType="duration" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_StockIssuedDuringPeriodSharesStockOptionsExercisedAfterStockDividend" name="StockIssuedDuringPeriodSharesStockOptionsExercisedAfterStockDividend" nillable="true" xbrli:periodType="duration" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceAfterStockDividend" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceAfterStockDividend" nillable="true" xbrli:periodType="duration" type="num:perShareItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePriceAfterStockDividend" name="ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePriceAfterStockDividend" nillable="true" xbrli:periodType="duration" type="num:perShareItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsImpactOfStockDividendNumberOfShares" name="SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsImpactOfStockDividendNumberOfShares" nillable="true" xbrli:periodType="duration" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsImpactOfStockDividend" name="SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsImpactOfStockDividend" nillable="true" xbrli:periodType="duration" type="num:perShareItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_CustomerServiceCharges" name="CustomerServiceCharges" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_EffectOfTaxLawChangeOnOtherComprehensiveIncome" name="EffectOfTaxLawChangeOnOtherComprehensiveIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_EarningsOnBankownedLifeInsurance" name="EarningsOnBankownedLifeInsurance" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_CommercialRealEstateLoans" name="CommercialRealEstateLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_FederalHomeLoanBankAdvancesDueDate" name="FederalHomeLoanBankAdvancesDueDate" nillable="true" xbrli:periodType="duration" type="xbrli:gYearMonthItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumberPriorToStockDividend" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumberPriorToStockDividend" nillable="true" xbrli:periodType="instant" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePricePriorToStockDividend" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePricePriorToStockDividend" nillable="true" xbrli:periodType="instant" type="num:perShareItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_StockDividendIssued" name="StockDividendIssued" nillable="true" xbrli:periodType="duration" type="num:percentItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_MortgageBankingTextBlock" name="MortgageBankingTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_OperatingRevenueServicingFees" name="OperatingRevenueServicingFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_ReclassificationDueToImplementationOfAsu201601" name="ReclassificationDueToImplementationOfAsu201601" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_UnusedLinesOfCreditAndLettersOfCreditFixedRate" name="UnusedLinesOfCreditAndLettersOfCreditFixedRate" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_UnusedLinesOfCreditAndLettersOfCreditVariableRate" name="UnusedLinesOfCreditAndLettersOfCreditVariableRate" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_CreditRiskConcentrationsTableTextBlock" name="CreditRiskConcentrationsTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_InterestRateOnDeferredDirectorFees" name="InterestRateOnDeferredDirectorFees" nillable="true" xbrli:periodType="duration" type="num:percentItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_AgriculturalMember" name="AgriculturalMember" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_FinancingReceivableCommercialAndIndustrialMember" name="FinancingReceivableCommercialAndIndustrialMember" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_Pass1Member" name="Pass1Member" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_Pass2Member" name="Pass2Member" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_ConstructionRealEstateMember" name="ConstructionRealEstateMember" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_TrustPreferredSecuritiesMember" name="TrustPreferredSecuritiesMember" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_ShortTermFederalHomeLoanBankAdvancesMember" name="ShortTermFederalHomeLoanBankAdvancesMember" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_LongTermFederalHomeLoanBankAdvancesMember" name="LongTermFederalHomeLoanBankAdvancesMember" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_LongTermFederalHomeLoanBankAdvances1Member" name="LongTermFederalHomeLoanBankAdvances1Member" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_AgriculturalAndResidentialRealEstateMember" name="AgriculturalAndResidentialRealEstateMember" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_DefinedContributionPension1Member" name="DefinedContributionPension1Member" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_ExercisePrice1Member" name="ExercisePrice1Member" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_ExercisePrice4Member" name="ExercisePrice4Member" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_ExercisePrice2Member" name="ExercisePrice2Member" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_CommonStockAndPaidInCapitalMember" name="CommonStockAndPaidInCapitalMember" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_DocumentAndEntityInformationAbstract" name="DocumentAndEntityInformationAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_SecuritiesWithUnrealizedLossPositionAbstract" name="SecuritiesWithUnrealizedLossPositionAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_AllowanceForLoanAndLeaseLossesRollForwardAbstract" name="AllowanceForLoanAndLeaseLossesRollForwardAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_NumberOfLoansWithPaymentDefaultsDuringPeriod" name="NumberOfLoansWithPaymentDefaultsDuringPeriod" nillable="true" xbrli:periodType="duration" type="xbrli:integerItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_ImpairedFinancingReceivableithWithOrWithNoRelatedAllowanceRecordedAbstract" name="ImpairedFinancingReceivableithWithOrWithNoRelatedAllowanceRecordedAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_ImpairedLoansWithRelatedAllowanceRecordedAbstract" name="ImpairedLoansWithRelatedAllowanceRecordedAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_CommonEquityTier1CapitalToRiskWeightedAssetsAbstract" name="CommonEquityTier1CapitalToRiskWeightedAssetsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_Tier1CapitalToRiskweightedAssetsAbstract" name="Tier1CapitalToRiskweightedAssetsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cofs_Tier1LeverageCapitalToAverageAssetsAbstract" name="Tier1LeverageCapitalToAverageAssetsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
</schema>
