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  <xs:element name="OtherRealEstateOwnedCarryingValueNet" id="chmg_OtherRealEstateOwnedCarryingValueNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
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  <xs:element name="HomeEquityLinesAndLoansMember" id="chmg_HomeEquityLinesAndLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AgriculturalMember" id="chmg_AgriculturalMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="IndirectConsumerLoansMember" id="chmg_IndirectConsumerLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CommercialFinancialAndAgriculturalMember" id="chmg_CommercialFinancialAndAgriculturalMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CommercialAndIndustrialMember" id="chmg_CommercialAndIndustrialMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableRecordedInvestment30To89DaysPastDue" id="chmg_FinancingReceivableRecordedInvestment30To89DaysPastDue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
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  <xs:element name="CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCashFlowsNotExpectedToBeCollectedOtherAdjustments" id="chmg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCashFlowsNotExpectedToBeCollectedOtherAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
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  <xs:element name="CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldOtherAdjustments" id="chmg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldOtherAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
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  <xs:element name="LoansReceivableByOriginAxis" id="chmg_LoansReceivableByOriginAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="LoansReceivableByOriginDomain" id="chmg_LoansReceivableByOriginDomain" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="LegacyLoansMember" id="chmg_LegacyLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCashFlowsExpectedToBeCollectedIncomeAccretion" id="chmg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCashFlowsExpectedToBeCollectedIncomeAccretion" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
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  <xs:element name="ResidentialAndConsumerFinanceReceivableAbstract" id="chmg_ResidentialAndConsumerFinanceReceivableAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ResidentialAndConsumerLoansReceivable" id="chmg_ResidentialAndConsumerLoansReceivable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="AcquiredLoansMember" id="chmg_AcquiredLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCashFlowsNotExpectedToBeCollectedIncomeAccretion" id="chmg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCashFlowsNotExpectedToBeCollectedIncomeAccretion" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="LoansAcquiredWithDeterioratedCreditQualityMember" id="chmg_LoansAcquiredWithDeterioratedCreditQualityMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="NotRatedMember" id="chmg_NotRatedMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="TroubleDebtRestructuringsAbstract" id="chmg_TroubleDebtRestructuringsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="TroubledDebtRestructuringReserve" id="chmg_TroubledDebtRestructuringReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="LoansByClassModifiedAsTroubledDebtRestructuringsAbstract" id="chmg_LoansByClassModifiedAsTroubledDebtRestructuringsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="LoansCommittedToCustomersWithLoansClassifiedAsTdr" id="chmg_LoansCommittedToCustomersWithLoansClassifiedAsTdr" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="PeriodAfterModificationWhereNoDefaultsPaymentMade" id="chmg_PeriodAfterModificationWhereNoDefaultsPaymentMade" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="NumberOfDaysPastDueAfterWhichLoanConsideredAsPaymentDefault" id="chmg_NumberOfDaysPastDueAfterWhichLoanConsideredAsPaymentDefault" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableAndAllowanceForCreditLossesEvaluatedForImpairmentTableTextBlock" id="chmg_FinancingReceivableAndAllowanceForCreditLossesEvaluatedForImpairmentTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="ResidentialAndConsumerReceivableCreditQualityIndicatorsTableTextBlock" id="chmg_ResidentialAndConsumerReceivableCreditQualityIndicatorsTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="NumberOfPrimaryBusinessSegment" id="chmg_NumberOfPrimaryBusinessSegment" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="CoreBankingMember" id="chmg_CoreBankingMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="WealthManagementGroupServicesMember" id="chmg_WealthManagementGroupServicesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="HoldingCompanyAndOtherMember" id="chmg_HoldingCompanyAndOtherMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableAllowanceForCreditLossesNetChargeOff" id="chmg_FinancingReceivableAllowanceForCreditLossesNetChargeOff" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
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  <xs:element name="FinancingReceivableAllowanceForCreditLossesEvaluatedForImpairmentAbstract" id="chmg_FinancingReceivableAllowanceForCreditLossesEvaluatedForImpairmentAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableAllowanceForCreditLossesIndividuallyAndCollectivelyEvaluatedForImpairmentAbstract" id="chmg_FinancingReceivableAllowanceForCreditLossesIndividuallyAndCollectivelyEvaluatedForImpairmentAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="HeldToMaturitySecuritiesAmortizedCostAndFairValueBasisAbstract" id="chmg_HeldToMaturitySecuritiesAmortizedCostAndFairValueBasisAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="TimeDepositsWithOtherFinancialInstitutionsMember" id="chmg_TimeDepositsWithOtherFinancialInstitutionsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="DocumentAndEntityInformationAbstract" id="chmg_DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FederalHomeLoanBankAndFederalReserveBankStockAtCost" id="chmg_FederalHomeLoanBankAndFederalReserveBankStockAtCost" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="TradingAssets" id="chmg_TradingAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="DemandSavingsAndInsuredMoneyMarketAccounts" id="chmg_DemandSavingsAndInsuredMoneyMarketAccounts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
</xs:schema>
