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      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <xsd:element id="cban_ATMCardProcessing" name="ATMCardProcessing" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_ATMFeesMember" name="ATMFeesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_AdjustmentsToAdditionalPaidInCapitalWarrantRepurchased" name="AdjustmentsToAdditionalPaidInCapitalWarrantRepurchased" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_AgriculturalMember" name="AgriculturalMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_BankOwnedLifeInsurancePolicyTextBlock" name="BankOwnedLifeInsurancePolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_BankingPremisesMember" name="BankingPremisesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_BusinessAcquisitionMinimumPercentageOfMergerConsiderationPaidInStock" name="BusinessAcquisitionMinimumPercentageOfMergerConsiderationPaidInStock" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="cban_BusinessAcquisitionNumberOfSharesOfAcquiringEntityForEachShareOfAcquiredEntity" name="BusinessAcquisitionNumberOfSharesOfAcquiringEntityForEachShareOfAcquiredEntity" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant"/>
  <xsd:element id="cban_BusinessAcquistionPercentageOfSharesReceivingCashConsideration" name="BusinessAcquistionPercentageOfSharesReceivingCashConsideration" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="cban_BusinessAcquistionPercentageOfSharesReceivingStockConsideration" name="BusinessAcquistionPercentageOfSharesReceivingStockConsideration" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="cban_BusinessCombinationAcquiredReceivablesCashFlowsExpectedToBeCollected" name="BusinessCombinationAcquiredReceivablesCashFlowsExpectedToBeCollected" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="cban_BusinessCombinationAcquiredReceivablesDiscountedFairValueAdjustment" name="BusinessCombinationAcquiredReceivablesDiscountedFairValueAdjustment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="cban_BusinessCombinationNumberOfAcquiredReceivables" name="BusinessCombinationNumberOfAcquiredReceivables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant"/>
  <xsd:element id="cban_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDepositLiabilities" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDepositLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="cban_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansReceivable" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansReceivable" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="cban_ChangesInTheAllowanceForLoanLossesTableTextBlock" name="ChangesInTheAllowanceForLoanLossesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_ColonyBankMember" name="ColonyBankMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_ColonyBankcorpCapitalTrustIIIMember" name="ColonyBankcorpCapitalTrustIIIMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_ColonyBankcorpCapitalTrustIIMember" name="ColonyBankcorpCapitalTrustIIMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_ColonyBankcorpCapitalTrustIMember" name="ColonyBankcorpCapitalTrustIMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_ColonyBankcorpStatutoryTrustIIIMember" name="ColonyBankcorpStatutoryTrustIIIMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_CommercialAndAgriculturalPortfolioSegmentMember" name="CommercialAndAgriculturalPortfolioSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_CommercialConstructionMember" name="CommercialConstructionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_CommercialMember" name="CommercialMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_CommonEquityTierOneRiskBasedCapitalRequiredForCapitaladequacyToRiskWeightedAssets" name="CommonEquityTierOneRiskBasedCapitalRequiredForCapitaladequacyToRiskWeightedAssets" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="cban_CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" name="CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="cban_ConsumerAndOtherPortfolioSegmentMember" name="ConsumerAndOtherPortfolioSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_ConsumerMember" name="ConsumerMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_CurrentPeriodReclassificationAdjustment" name="CurrentPeriodReclassificationAdjustment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="cban_DeferredCompensationPlanTextBlock" name="DeferredCompensationPlanTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_DeferredTaxAssetsGoodwill" name="DeferredTaxAssetsGoodwill" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="cban_DeferredTaxAssetsIntangibleAssets" name="DeferredTaxAssetsIntangibleAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="cban_DeferredTaxAssetsLiabilitiesOnUnrealizedSecuritiesGainsLosses" name="DeferredTaxAssetsLiabilitiesOnUnrealizedSecuritiesGainsLosses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="cban_DeferredTaxAssetsOtherRealEstate" name="DeferredTaxAssetsOtherRealEstate" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="cban_DenominatorAbstract" name="DenominatorAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_DepreciatedDebtSecuritiesWithUnrealizedLosses" name="DepreciatedDebtSecuritiesWithUnrealizedLosses" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="cban_DiscountedPercentageToAccountForSellingAndMarketingCosts" name="DiscountedPercentageToAccountForSellingAndMarketingCosts" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="cban_DiscountedRateToAccountForSellingAndMarketingCosts" name="DiscountedRateToAccountForSellingAndMarketingCosts" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="cban_DocumentAndEntityInformation" name="DocumentAndEntityInformation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_EffectiveIncomeTaxRateReconciliationIncomeFromCashValueLifeInsuranceNetOfPremiums" name="EffectiveIncomeTaxRateReconciliationIncomeFromCashValueLifeInsuranceNetOfPremiums" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="cban_EmployeeServicePeriod" name="EmployeeServicePeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_EstimatedUsefulLivesAndMethodsOfDepreciationTableTextBlock" name="EstimatedUsefulLivesAndMethodsOfDepreciationTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_ExpirationPeriodOfLetterOfCreditIssued" name="ExpirationPeriodOfLetterOfCreditIssued" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_FarmlandMember" name="FarmlandMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_FeeIncomeRecognizedWithDeferredCompensationPlans" name="FeeIncomeRecognizedWithDeferredCompensationPlans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_FinancingReceivables3089DaysPastDueMember" name="FinancingReceivables3089DaysPastDueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_FurnitureAndEquipmentMember" name="FurnitureAndEquipmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_GainLossOnSaleOfOtherRealEstate" name="GainLossOnSaleOfOtherRealEstate" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="cban_ImpairedFinancingReceivableInterestIncomeReversalAccrualMethod" name="ImpairedFinancingReceivableInterestIncomeReversalAccrualMethod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="cban_ImpairedFinancingReceivableNumberOfLoansBelowReviewThreshold" name="ImpairedFinancingReceivableNumberOfLoansBelowReviewThreshold" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant"/>
  <xsd:element id="cban_ImpairedFinancingReceivableRecordedInvestmentBelowReviewThreshold" name="ImpairedFinancingReceivableRecordedInvestmentBelowReviewThreshold" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="cban_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeReversalAccrualMethod" name="ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeReversalAccrualMethod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="cban_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeReversalAccrualMethod" name="ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeReversalAccrualMethod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="cban_ImpairedLoansFairValue" name="ImpairedLoansFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="cban_ImpairedLoansMeasurementInput" name="ImpairedLoansMeasurementInput" nillable="true" substitutionGroup="xbrli:item" type="xbrli:decimalItemType" xbrli:periodType="instant"/>
  <xsd:element id="cban_IncomeBeforeEquityInUndistributedEarningsOfSubsidiary" name="IncomeBeforeEquityInUndistributedEarningsOfSubsidiary" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="cban_IncreaseInTierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" name="IncreaseInTierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="cban_InvestmentInFederalHomeBankStockPolicyTextBlock" name="InvestmentInFederalHomeBankStockPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_LBCBancsharesIncMember" name="LBCBancsharesIncMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_LoanBalanceForReviewingHighRiskLoansMinimum" name="LoanBalanceForReviewingHighRiskLoansMinimum" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="cban_LoansAndLeasesReceivableRelatedPartiesTransactionsDueToChangesInDirectors" name="LoansAndLeasesReceivableRelatedPartiesTransactionsDueToChangesInDirectors" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_LoansNotClassifiedAsImpairedMember" name="LoansNotClassifiedAsImpairedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_MinimumAgeRequirementForDeferredCompensation" name="MinimumAgeRequirementForDeferredCompensation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_NatureOfOperationsPolicyTextBlock" name="NatureOfOperationsPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_NoteToFinancialStatementDetailsTextual" name="NoteToFinancialStatementDetailsTextual" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_NotesToFinancialStatements" name="NotesToFinancialStatements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_NotesToFinancialStatementsAbstract" name="NotesToFinancialStatementsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_NumberOfAssetBackedSecuritiesOwned" name="NumberOfAssetBackedSecuritiesOwned" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant"/>
  <xsd:element id="cban_NumberOfIssuancesOfTrustPreferredSecurities" name="NumberOfIssuancesOfTrustPreferredSecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="cban_NumeratorAbstract" name="NumeratorAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_OperatingLeasesFutureMinimumPaymentsDueInFiveYearsAndThereafter" name="OperatingLeasesFutureMinimumPaymentsDueInFiveYearsAndThereafter" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="cban_OtherBorrowingsFairValueDisclosure" name="OtherBorrowingsFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="cban_OtherBorrowingsMember" name="OtherBorrowingsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_OtherBorrowingsMiscellaneous" name="OtherBorrowingsMiscellaneous" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="cban_OtherComprehensiveIncomeLossEffectOfTaxRateChanges" name="OtherComprehensiveIncomeLossEffectOfTaxRateChanges" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_OtherMember" name="OtherMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_OtherNoninterestExpensesMember" name="OtherNoninterestExpensesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_OtherRealEstateFairValue" name="OtherRealEstateFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="cban_OtherRealEstateTransfers" name="OtherRealEstateTransfers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="cban_PercentageOfLoanPortfolioConcentratedInLoansSecuredByRealEstate" name="PercentageOfLoanPortfolioConcentratedInLoansSecuredByRealEstate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_PlantersFirstBankMember" name="PlantersFirstBankMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_PreferredStockAndWarrantsTextBlock" name="PreferredStockAndWarrantsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_ProbabilityOfUncertainTaxPositionsOfBeingRealizedUponSettlementMinimum" name="ProbabilityOfUncertainTaxPositionsOfBeingRealizedUponSettlementMinimum" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="cban_PropertyPlantAndEquipmentDepreciationMethod" name="PropertyPlantAndEquipmentDepreciationMethod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_ProvisionForLossesOnPremisesAndEquipment" name="ProvisionForLossesOnPremisesAndEquipment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_RealEstatePortfolioSegmentMember" name="RealEstatePortfolioSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_ReclassificationFromAOCIToRetainedEarningsDueToStrandedTaxEffectsFromTheTCJActMember" name="ReclassificationFromAOCIToRetainedEarningsDueToStrandedTaxEffectsFromTheTCJActMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_RedemptionDateMinimum" name="RedemptionDateMinimum" nillable="true" substitutionGroup="xbrli:item" type="xbrli:dateItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_ReferenceRate" name="ReferenceRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="cban_ResidentialConstructionMember" name="ResidentialConstructionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_ResidentialMember" name="ResidentialMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_ScheduleOfAcquiredLoansAsPartOfBusinessCombinationTableTextBlock" name="ScheduleOfAcquiredLoansAsPartOfBusinessCombinationTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_ScheduleOfAllowanceForLoanLossesByPortfolioSegmentTableTextBlock" name="ScheduleOfAllowanceForLoanLossesByPortfolioSegmentTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_ScheduledMaturitiesOfCertificatesOfDepositsTableTextBlock" name="ScheduledMaturitiesOfCertificatesOfDepositsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_SummaryOfFinancialInstrumentOutstandingTableTextBlock" name="SummaryOfFinancialInstrumentOutstandingTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="cban_TaxRateChangesImpactOnStockholdersEquity" name="TaxRateChangesImpactOnStockholdersEquity" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="cban_Tier1CapitalConservationBufferOfRiskWeightedAssets" name="Tier1CapitalConservationBufferOfRiskWeightedAssets" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="cban_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssetsRule1" name="TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssetsRule1" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="cban_TroubledDebtRestructuringsThatSubsequentlyDefaultTableTextBlock" name="TroubledDebtRestructuringsThatSubsequentlyDefaultTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_statement-statement-note-1-summary-of-significant-accounting-policies-estimated-useful-lives-and-methods-of-depreciation-details" name="statement-statement-note-1-summary-of-significant-accounting-policies-estimated-useful-lives-and-methods-of-depreciation-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_statement-statement-note-1-summary-of-significant-accounting-policies-tables" name="statement-statement-note-1-summary-of-significant-accounting-policies-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="cban_statement-statement-note-10-income-taxes-components-of-income-tax-details" name="statement-statement-note-10-income-taxes-components-of-income-tax-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
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  <xsd:element abstract="true" id="cban_statement-statement-note-10-income-taxes-difference-between-financial-statement-tax-expense-and-amount-computer-by-applying-statutory-federal-tax-rate-to-income-before-income-taxes-details" name="statement-statement-note-10-income-taxes-difference-between-financial-statement-tax-expense-and-amount-computer-by-applying-statutory-federal-tax-rate-to-income-before-income-taxes-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
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</xsd:schema>
