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  <xsd:element id="fmao_DistributionOfFixedRateLoansAndVariableRateLoansByMajorLoanCategoryTableTextBlock" name="DistributionOfFixedRateLoansAndVariableRateLoansByMajorLoanCategoryTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_MortgageBackedSecuritiesAvailableForSaleAmortizedCost" name="MortgageBackedSecuritiesAvailableForSaleAmortizedCost" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_OssianStateBankMember" name="OssianStateBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_InterestIncomeExpenseFederalFundsSoldAndPurchased" name="InterestIncomeExpenseFederalFundsSoldAndPurchased" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="fmao_SatisfactoryMember" name="SatisfactoryMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_BankOfGenevaMember" name="BankOfGenevaMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_LoansPastDueOverEightyNineDaysStillAccruingMember" name="LoansPastDueOverEightyNineDaysStillAccruingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_NumberOfSharesElectToReceiveInMergerAgreement" name="NumberOfSharesElectToReceiveInMergerAgreement" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="fmao_GoodwillDeductibleForTaxPurposePeriod" name="GoodwillDeductibleForTaxPurposePeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_USStatesAndPoliticalSubdivisionsTaxableDebtSecuritiesMember" name="USStatesAndPoliticalSubdivisionsTaxableDebtSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_IncreaseInCashSurrenderValueOfBankOwnedLifeInsurance" name="IncreaseInCashSurrenderValueOfBankOwnedLifeInsurance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="fmao_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetReclassificationAndAdjustments" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetReclassificationAndAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_FairValueForCertificateOfDepositValuationAmount" name="FairValueForCertificateOfDepositValuationAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_RealEstateServicingRightsMember" name="RealEstateServicingRightsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_PeoplesSidneyFinancialCorporationMember" name="PeoplesSidneyFinancialCorporationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_StockIssuedDuringPeriodDirectorsStockAwardsShares" name="StockIssuedDuringPeriodDirectorsStockAwardsShares" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFederalFundsSold" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFederalFundsSold" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDepositsAbstract" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDepositsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldMovementTableTextBlock" name="CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldMovementTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_CashConsiderationPayableOnAcquisitionPerShare" name="CashConsiderationPayableOnAcquisitionPerShare" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="fmao_OtherManagementMembersMember" name="OtherManagementMembersMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_AmortizationAccretionOfMortgageServicingRightsMSRs" name="AmortizationAccretionOfMortgageServicingRightsMSRs" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_NonaccrualMember" name="NonaccrualMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_CommercialAndIndustrialMember" name="CommercialAndIndustrialMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_BusinessCombinationAverageRemainingUsefulLife" name="BusinessCombinationAverageRemainingUsefulLife" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_AvailableForSaleSecuritiesGrossRealizedGainLossTaxExpensesBenefit" name="AvailableForSaleSecuritiesGrossRealizedGainLossTaxExpensesBenefit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_PerpetualFederalSavingsBankMember" name="PerpetualFederalSavingsBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_RecordedInvestmentInThoseClassesBasedOnPaymentActivityAndAssignedGradingTableTextBlock" name="RecordedInvestmentInThoseClassesBasedOnPaymentActivityAndAssignedGradingTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_LimberlostBancsharesIncMember" name="LimberlostBancsharesIncMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_FinancingReceivablesImpairedNumberOfTroubledDebtRestructuringWriteDown" name="FinancingReceivablesImpairedNumberOfTroubledDebtRestructuringWriteDown" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_RepaymentPeriodOfLoanWithReasonableReductionOfPrincipalBalance" name="RepaymentPeriodOfLoanWithReasonableReductionOfPrincipalBalance" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_EarningsPerShareLineItems" name="EarningsPerShareLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_FinancingReceivableAllowanceForCreditLossesWriteoffsTwoYearsBeforeLatestFiscalYear" name="FinancingReceivableAllowanceForCreditLossesWriteoffsTwoYearsBeforeLatestFiscalYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_AgriculturalRealEstateMember" name="AgriculturalRealEstateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesFairValueAdjustment" name="CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesFairValueAdjustment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansNet" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_InterestReceivableFairValueDisclosure" name="InterestReceivableFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_DelinquentPeriodForChargingDownConsumerLoans" name="DelinquentPeriodForChargingDownConsumerLoans" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_ConsumerRealEstateLoanMember" name="ConsumerRealEstateLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_FinancingReceivableAllowanceForCreditLossesWriteoffsThreeYearsBeforeLatestFiscalYear" name="FinancingReceivableAllowanceForCreditLossesWriteoffsThreeYearsBeforeLatestFiscalYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_BusinessAcquisitionsProFormaNoninterestIncome" name="BusinessAcquisitionsProFormaNoninterestIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="fmao_MinimumNumberOfSharesToBeExchangedUnderTheAgreement" name="MinimumNumberOfSharesToBeExchangedUnderTheAgreement" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_FiniteLivedTangibleAssetsAcquired" name="FiniteLivedTangibleAssetsAcquired" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_NumberOfFullServiceOffices" name="NumberOfFullServiceOffices" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="fmao_FederalReservesBankTermFundingProgramMember" name="FederalReservesBankTermFundingProgramMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAcquiredDuringPeriodTableTextBlock" name="CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAcquiredDuringPeriodTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_BusinessAcquisitionEquityInterestIssuedOrIssuablePerShareOfAcquiredEntity" name="BusinessAcquisitionEquityInterestIssuedOrIssuablePerShareOfAcquiredEntity" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_IncreaseDecreaseInFinancingReceivableModifications" name="IncreaseDecreaseInFinancingReceivableModifications" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_ActivitiesInAllowanceForCreditLossesTableTextBlock" name="ActivitiesInAllowanceForCreditLossesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_FinancingReceivableAllowanceForExpectedCreditLosses" name="FinancingReceivableAllowanceForExpectedCreditLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="fmao_SpecificAllocationOnPrincipalBalanceMember" name="SpecificAllocationOnPrincipalBalanceMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_FairValueOfFederalHomeLoanBankAdvancesAmortizationPeriod" name="FairValueOfFederalHomeLoanBankAdvancesAmortizationPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_AgricultureRealEstateMember" name="AgricultureRealEstateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_UnfundedLoanCommitmentAndLettersOfCreditMember" name="UnfundedLoanCommitmentAndLettersOfCreditMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedExpensesAndOtherLiabilities" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedExpensesAndOtherLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="fmao_NumberOfClientsAssetsUnderManagement" name="NumberOfClientsAssetsUnderManagement" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="fmao_LitigationAndAnyDeficiencyChargedOffPeriod" name="LitigationAndAnyDeficiencyChargedOffPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFederalHomeLoanBankAdvances" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFederalHomeLoanBankAdvances" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="fmao_SatisfactoryMonitoredMember" name="SatisfactoryMonitoredMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_CompensationAnnualBasisCommitteeAward" name="CompensationAnnualBasisCommitteeAward" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="fmao_PaymentsToAcquireSalesOfOtherSecurities" name="PaymentsToAcquireSalesOfOtherSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="fmao_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFour" name="FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFour" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_FinancingReceivablesImpairedNumberOfTroubledDebtRestructuringChargedOff" name="FinancingReceivablesImpairedNumberOfTroubledDebtRestructuringChargedOff" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_LoanReceivableWeightedAverageUsefulLife" name="LoanReceivableWeightedAverageUsefulLife" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_InterestBearingDepositsLiabilityMember" name="InterestBearingDepositsLiabilityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_PercentageOfCaptiveClaimsListedTransactionLossRatio" name="PercentageOfCaptiveClaimsListedTransactionLossRatio" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="fmao_MaximumTimeForReevaluation" name="MaximumTimeForReevaluation" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_FinancialCollateralDependentLoans" name="FinancialCollateralDependentLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_PaycheckProtectionProgramLoansMember" name="PaycheckProtectionProgramLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_OtherLoanMember" name="OtherLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_CaptivesProvisionExistencePeriod" name="CaptivesProvisionExistencePeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_FinancingReceivableAllowanceForCreditLossesAcquiredWithDeterioratedCreditQualityEndingPeriod" name="FinancingReceivableAllowanceForCreditLossesAcquiredWithDeterioratedCreditQualityEndingPeriod" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="fmao_PercentageOfNotesPricesOnPrincipalAmount" name="PercentageOfNotesPricesOnPrincipalAmount" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_BusinessAcquisitionsProFormaNoninterestExpense" name="BusinessAcquisitionsProFormaNoninterestExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_ConsumerOtherFinancingReceivablesMember" name="ConsumerOtherFinancingReceivablesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_ExcellentAndGoodMember" name="ExcellentAndGoodMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_EarningsPerShareTable" name="EarningsPerShareTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_NonaccrualNumberOfBorrower" name="NonaccrualNumberOfBorrower" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_FairValueForCertificateOfDepositAmortizationPeriod" name="FairValueForCertificateOfDepositAmortizationPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_FinancingReceivableAllowanceForCreditLossesWriteoffsGrandNet" name="FinancingReceivableAllowanceForCreditLossesWriteoffsGrandNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_PerpetualFederalSavingBankMember" name="PerpetualFederalSavingBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_AllowanceForCreditLossesAndUnfundedCommitmentLiability" name="AllowanceForCreditLossesAndUnfundedCommitmentLiability" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="fmao_PercentageOfCaptiveClaimsTransactionOfInterestLossRatio" name="PercentageOfCaptiveClaimsTransactionOfInterestLossRatio" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="fmao_PaymentsToAcquireAvailableForSaleSecuritiesDebtIncludingAdjustmentForSecuritiesAcquiredInAcquisition" name="PaymentsToAcquireAvailableForSaleSecuritiesDebtIncludingAdjustmentForSecuritiesAcquiredInAcquisition" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="fmao_AdditionalFundsAdvanced" name="AdditionalFundsAdvanced" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="fmao_BusinessAcquisitionsProFormaIncomeTaxesExpenseBenefit" name="BusinessAcquisitionsProFormaIncomeTaxesExpenseBenefit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_ScheduleOfLoansIndividuallyEvaluatedForImpairmentByPortfolioSegmentTableTextBlock" name="ScheduleOfLoansIndividuallyEvaluatedForImpairmentByPortfolioSegmentTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_NumberOfDirectorsReceivedShares" name="NumberOfDirectorsReceivedShares" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="fmao_ReEvaluationPeriodForRealEstate" name="ReEvaluationPeriodForRealEstate" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_FinancingReceivableNonaccrualOfBorrower" name="FinancingReceivableNonaccrualOfBorrower" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_AvailableForSaleSecuritiesDebtMaturitiesFairValueExcludingMortgageBackedSecurities" name="AvailableForSaleSecuritiesDebtMaturitiesFairValueExcludingMortgageBackedSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_FeesAndCommissionsIncomeAbstract" name="FeesAndCommissionsIncomeAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_BusinessAcquisitionsProFormaNetInterestIncomeBeforeProvisionForLoanLosses" name="BusinessAcquisitionsProFormaNetInterestIncomeBeforeProvisionForLoanLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="fmao_AllowanceForCreditLossesAndUnfundedCommitmentLiabilityNetOfTax" name="AllowanceForCreditLossesAndUnfundedCommitmentLiabilityNetOfTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="fmao_DelinquentPeriodForChargingDownOrAllocatedCommercialAndAgriculturalCredits" name="DelinquentPeriodForChargingDownOrAllocatedCommercialAndAgriculturalCredits" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_SeniorManagementMember" name="SeniorManagementMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="fmao_TimeDepositsMember" name="TimeDepositsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_FinancingReceivableAllowanceForCreditLossesWriteoffsFourOrMoreYearsBeforeLatestFiscalYear" name="FinancingReceivableAllowanceForCreditLossesWriteoffsFourOrMoreYearsBeforeLatestFiscalYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_MergerAgreementMember" name="MergerAgreementMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_InterestPayableFairValueDisclosure" name="InterestPayableFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="fmao_BankOfGenevaAndOssianStateBankMember" name="BankOfGenevaAndOssianStateBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_AdjustedImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod" name="AdjustedImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="fmao_NumberOfSecurityTransfer" name="NumberOfSecurityTransfer" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_CapitalizedAdditionsToServicingRights" name="CapitalizedAdditionsToServicingRights" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="fmao_CashCashEquivalentsAndFederalFundsSoldFairValueDisclosure" name="CashCashEquivalentsAndFederalFundsSoldFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_AtmExpense" name="AtmExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_BusinessAcquisitionShareOwnedSubjectToAdjustment" name="BusinessAcquisitionShareOwnedSubjectToAdjustment" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_AdditionalFundsAdvancedWithImapiredLoans" name="AdditionalFundsAdvancedWithImapiredLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="fmao_NonaccrualWithNoAllowanceForCreditLossMember" name="NonaccrualWithNoAllowanceForCreditLossMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_OssianFinancialServiceIncorporatedMember" name="OssianFinancialServiceIncorporatedMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_FinancingReceivableAllowanceForCreditLossesWriteoffsRevolvingLoansAmortizedCostBasis" name="FinancingReceivableAllowanceForCreditLossesWriteoffsRevolvingLoansAmortizedCostBasis" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_BusinessAcquisitionsProFormaIncomeLossBeforeIncomeTaxes" name="BusinessAcquisitionsProFormaIncomeLossBeforeIncomeTaxes" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="fmao_UnsecuredConsumerLoansCreditCardCreditsAndOverdraft" name="UnsecuredConsumerLoansCreditCardCreditsAndOverdraft" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_FederalHomeLoanBankOfCincinnatiAndIndianapolisStockMember" name="FederalHomeLoanBankOfCincinnatiAndIndianapolisStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_CommercialAndIndustrialAndIndustrialDevelopmentBondsMember" name="CommercialAndIndustrialAndIndustrialDevelopmentBondsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_NumberOfDirectorsReceivedProratedDollarValueOfShares" name="NumberOfDirectorsReceivedProratedDollarValueOfShares" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherSecurities" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_NonInterestBearingDepositsMember" name="NonInterestBearingDepositsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_FairValueOfFederalHomeLoanBankAdvancesValuationAmount" name="FairValueOfFederalHomeLoanBankAdvancesValuationAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_FinancingReceivableAllowanceForCreditLossesWriteoffsFiscalYearBeforeCurrentFiscalYear" name="FinancingReceivableAllowanceForCreditLossesWriteoffsFiscalYearBeforeCurrentFiscalYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_OfficeConstructionInProgress" name="OfficeConstructionInProgress" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_OhioEquityFundForHousingLimitedPartnershipMember" name="OhioEquityFundForHousingLimitedPartnershipMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_LossMember" name="LossMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_ContributionProvidedByBothRecoveriesAndProvisionAlongWithReductionOfAllowanceCausedByChargeOffsTableTextBlock" name="ContributionProvidedByBothRecoveriesAndProvisionAlongWithReductionOfAllowanceCausedByChargeOffsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_BusinessCombinationIdentifiableAssetsInPremisesAndEquipmentWrittenUpValue" name="BusinessCombinationIdentifiableAssetsInPremisesAndEquipmentWrittenUpValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="fmao_AllowanceForCreditLossesAbstract" name="AllowanceForCreditLossesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_AmortizationOfCustomerListIntangible" name="AmortizationOfCustomerListIntangible" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_OtherNonInterestIncomeExpenseRecoveryRelatedToUnfunded" name="OtherNonInterestIncomeExpenseRecoveryRelatedToUnfunded" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_ProceedsToAcquireSalesOfOtherSecurities" name="ProceedsToAcquireSalesOfOtherSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="fmao_MaximumNumberOfSharesExchangedInMergerAgreement" name="MaximumNumberOfSharesExchangedInMergerAgreement" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="fmao_RiskCategoryOfLoansTableTextBlock" name="RiskCategoryOfLoansTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_USStatesAndPoliticalSubdivisionsTaxExemptDebtSecuritiesMember" name="USStatesAndPoliticalSubdivisionsTaxExemptDebtSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="fmao_CollateralDependentLoansTableTextBlock" name="CollateralDependentLoansTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="fmao_PaymentPerformanceMember" name="PaymentPerformanceMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
</xsd:schema>
