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  <xs:element name="FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringPercentageOfLoansModified" id="czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringPercentageOfLoansModified" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
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  <xs:element name="FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfLoans" id="czfs_FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfLoans" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
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  <xs:element name="StateAndPoliticalSubdivisionLoansMember" id="czfs_StateAndPoliticalSubdivisionLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
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  <xs:element name="NumberOfDaysPastDueForLoanToBeConsideredImpaired" id="czfs_NumberOfDaysPastDueForLoanToBeConsideredImpaired" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
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  <xs:element name="TrustBrokerageAndInsuranceAssetsAndIncomePolicyTextBlock" id="czfs_TrustBrokerageAndInsuranceAssetsAndIncomePolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
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  <xs:element name="SmallBusinessAdministrationSBACARESActPayecheckProtectionProgramMember" id="czfs_SmallBusinessAdministrationSBACARESActPayecheckProtectionProgramMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
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  <xs:element name="AvailableForSaleDebtSecuritiesContinuousUnrealizedLossPositionFairValueAndUnrealizedLossesAbstract" id="czfs_AvailableForSaleDebtSecuritiesContinuousUnrealizedLossPositionFairValueAndUnrealizedLossesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
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  <xs:element name="July122021Member" id="czfs_July122021Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="February32021Member" id="czfs_February32021Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="August202021Member" id="czfs_August202021Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="July92021Member" id="czfs_July92021Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="March282024Member" id="czfs_March282024Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="August202024Member" id="czfs_August202024Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="January032022Member" id="czfs_January032022Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="BorrowedFundsAndRepurchaseAgreementAbstract" id="czfs_BorrowedFundsAndRepurchaseAgreementAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="MaturityOvernightAndContinuousMember" id="czfs_MaturityOvernightAndContinuousMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="March32025Member" id="czfs_March32025Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="January062022Member" id="czfs_January062022Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
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  <xs:element name="January42021Member" id="czfs_January42021Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
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  <xs:element name="NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration" id="czfs_NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
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  <xs:element name="LoansAbstract" id="czfs_LoansAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
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  <xs:element name="NumberOfCapitalCategories" id="czfs_NumberOfCapitalCategories" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsRatioAbstract" id="czfs_ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsRatioAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
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  <xs:element name="SummaryOfDepositsTableTextBlock" id="czfs_SummaryOfDepositsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
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  <xs:element name="GoodwillImpairmentAbstract" id="czfs_GoodwillImpairmentAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="DividendIncomeFromBankSubsidiary" id="czfs_DividendIncomeFromBankSubsidiary" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries" id="czfs_IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
</xs:schema>
