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  <element id="func_AmortizationOfPriorServiceCostsMember" name="AmortizationOfPriorServiceCostsMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <element id="func_PrimarySegmentsOfAllowanceForLoanLossTableTextBlock" name="PrimarySegmentsOfAllowanceForLoanLossTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_ScheduleOfComponentsOfOtherRealEstateOwnedExpenseTableTextBlock" name="ScheduleOfComponentsOfOtherRealEstateOwnedExpenseTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_OreoExpensesNet" name="OreoExpensesNet" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="func_OtherComprehensiveIncomeLossHeldToMaturitySecuritiesAdjustmentNetOfTax" name="OtherComprehensiveIncomeLossHeldToMaturitySecuritiesAdjustmentNetOfTax" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="func_AccumulatedNetUnrealizedInvestmentGainLossAvailableForSaleMember" name="AccumulatedNetUnrealizedInvestmentGainLossAvailableForSaleMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <element id="func_AccumulatedNetUnrealizedInvestmentGainLossHeldToMaturityMember" name="AccumulatedNetUnrealizedInvestmentGainLossHeldToMaturityMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <element id="func_OtherComprehensiveIncomeLossHeldToMaturitySecuritiesAdjustmentBeforeTax" name="OtherComprehensiveIncomeLossHeldToMaturitySecuritiesAdjustmentBeforeTax" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="func_OtherComprehensiveIncomeLossHeldToMaturitySecuritiesAdjustmentAfterTax" name="OtherComprehensiveIncomeLossHeldToMaturitySecuritiesAdjustmentAfterTax" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="func_OtherComprehensiveIncomeLossHeldToMaturitySecuritiesAdjustmentTax" name="OtherComprehensiveIncomeLossHeldToMaturitySecuritiesAdjustmentTax" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="func_SwapContract3Year5MillionMember" name="SwapContract3Year5MillionMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <element id="func_AvailableForSaleSecuritiesFairValue" name="AvailableForSaleSecuritiesFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="func_FairValueInputsComparabilityAdjustmentsWeightedAverage" name="FairValueInputsComparabilityAdjustmentsWeightedAverage" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_Foreclosure14FamilyRealEstatePropertiesMember" name="Foreclosure14FamilyRealEstatePropertiesMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <element id="func_PreExistingTroubledDebtRestructuringLoansRemodifiedAfterMaturityMember" name="PreExistingTroubledDebtRestructuringLoansRemodifiedAfterMaturityMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_VestingPeriodOfEmployerDiscretionaryContribution" name="VestingPeriodOfEmployerDiscretionaryContribution" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_SwapContract5Year5MillionMember" name="SwapContract5Year5MillionMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <element id="func_SwapContract10Year15MillionMember" name="SwapContract10Year15MillionMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <element id="func_OtherThanTemporaryImpairmentLossesInvestmentsReclassificationAdjustmentOfNoncreditPortionIncludedInNetIncomeAvailableForSaleSecuritiesTaxEffect" name="OtherThanTemporaryImpairmentLossesInvestmentsReclassificationAdjustmentOfNoncreditPortionIncludedInNetIncomeAvailableForSaleSecuritiesTaxEffect" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="func_NewTroubledDebtRestructuringLoansMember" name="NewTroubledDebtRestructuringLoansMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <element id="func_NetUnrealizedLossesGainsOnInvestmentsWithOtti" name="NetUnrealizedLossesGainsOnInvestmentsWithOtti" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="func_GrossAmountsNotOffsetInStatementOfConditionFinancialInsturments" name="GrossAmountsNotOffsetInStatementOfConditionFinancialInsturments" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="func_ServiceChargesMember" name="ServiceChargesMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_OtherServiceChargesMember" name="OtherServiceChargesMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_TrustDepartmentMember" name="TrustDepartmentMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_DebitCardIncomeMember" name="DebitCardIncomeMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_BankOwnedLifeInsuranceMember" name="BankOwnedLifeInsuranceMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_BrokerageCommissionsMember" name="BrokerageCommissionsMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_MiscellaneousOtherServiceMember" name="MiscellaneousOtherServiceMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_FairValueMeasurementsValuationTechniques1" name="FairValueMeasurementsValuationTechniques1" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_FairValueMeasurementsDiscountRate" name="FairValueMeasurementsDiscountRate" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_NetAmortizationOfAvailableForSaleSecuritiesDiscountsAndPremiums" name="NetAmortizationOfAvailableForSaleSecuritiesDiscountsAndPremiums" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="func_NetAmortizationOfHeldToMaturitySecuritiesDiscountsAndPremiums" name="NetAmortizationOfHeldToMaturitySecuritiesDiscountsAndPremiums" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="func_OperatingLeaseRightOfUseAssetAmortization" name="OperatingLeaseRightOfUseAssetAmortization" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="func_IncreaseDecreaseInOperatingLeaseLiability" name="IncreaseDecreaseInOperatingLeaseLiability" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="func_HeldToMaturitySecuritiesInUnrealizedLossPositionsLessThan12MonthsNumberOfPositions" name="HeldToMaturitySecuritiesInUnrealizedLossPositionsLessThan12MonthsNumberOfPositions" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <element id="func_HeldToMaturitySecuritiesInUnrealizedLossPositions12MonthsOrLongerNumberOfPositions" name="HeldToMaturitySecuritiesInUnrealizedLossPositions12MonthsOrLongerNumberOfPositions" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <element id="func_CashAndCashEquivalentsExcludingInterestBearingDepositsFairValueDisclosure" name="CashAndCashEquivalentsExcludingInterestBearingDepositsFairValueDisclosure" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="func_AccruedInterestReceivableAndOtherAssets" name="AccruedInterestReceivableAndOtherAssets" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="func_OperatingLeaseRightOfUseAssetsRecognized" name="OperatingLeaseRightOfUseAssetsRecognized" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="func_OperatingLeaseLiabilitiesRecognized" name="OperatingLeaseLiabilitiesRecognized" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="func_AvailableForSaleDebtMaturitiesAmortizedCostSubTotal" name="AvailableForSaleDebtMaturitiesAmortizedCostSubTotal" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="func_IncreaseInFinancingReceivableRecordedInvestmentNonaccrualStatus" name="IncreaseInFinancingReceivableRecordedInvestmentNonaccrualStatus" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="func_CovidNineteenMember" name="CovidNineteenMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_PercentageOfLoanPortfolioAccruingLoansPastDueThirtyDaysOrMore" name="PercentageOfLoanPortfolioAccruingLoansPastDueThirtyDaysOrMore" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_ExistingTroubledDebtRestructingLoansMember" name="ExistingTroubledDebtRestructingLoansMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_InvestmentSecuritiesAvailableForSaleMember" name="InvestmentSecuritiesAvailableForSaleMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_MinimumFairValuePercentagePledgedAgainstAccountBalances" name="MinimumFairValuePercentagePledgedAgainstAccountBalances" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <element id="func_PeriodOfEmploymentUsedToDetermineBenefits" name="PeriodOfEmploymentUsedToDetermineBenefits" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_FourEmployeesMember" name="FourEmployeesMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_InvestmentSecurityCollateralAsPercentageOfBorrowing" name="InvestmentSecurityCollateralAsPercentageOfBorrowing" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <element id="func_AllOtherAcquisitionAndDevelopmentMember" name="AllOtherAcquisitionAndDevelopmentMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_NumberOfStatesWithReportedCovidNineteenCases" name="NumberOfStatesWithReportedCovidNineteenCases" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_CoronavirusAidReliefAndEconomicSecurityActMember" name="CoronavirusAidReliefAndEconomicSecurityActMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_LoanReceivableAmountSbaLoanGuaranteeApprovalReceived" name="LoanReceivableAmountSbaLoanGuaranteeApprovalReceived" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="func_NumberOfPaycheckProtectionProgramLoanApplicationsApproved" name="NumberOfPaycheckProtectionProgramLoanApplicationsApproved" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_PercentageOfPaycheckProtectionProgramLoansApprovedUnder100000" name="PercentageOfPaycheckProtectionProgramLoansApprovedUnder100000" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_PercentageOfBusinessesReceivingPaycheckProtectionProgramLoansWithLessThan10Employees" name="PercentageOfBusinessesReceivingPaycheckProtectionProgramLoansWithLessThan10Employees" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_PaycheckProtectionProgramLoansSbaGuaranteePercent" name="PaycheckProtectionProgramLoansSbaGuaranteePercent" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_PaycheckProtectionProgramLoanMaturityTerm" name="PaycheckProtectionProgramLoanMaturityTerm" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_PaycheckProtectionProgramLoanInterestRate" name="PaycheckProtectionProgramLoanInterestRate" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_PercentageOfProceedsCustomersUseForPayrollCostsToQualifyForSbaLoanForgiveness" name="PercentageOfProceedsCustomersUseForPayrollCostsToQualifyForSbaLoanForgiveness" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_PaycheckProtectionProgramLoanSbaProcessingFeesPercent" name="PaycheckProtectionProgramLoanSbaProcessingFeesPercent" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_PercentageOfAllowanceForLoanLosses" name="PercentageOfAllowanceForLoanLosses" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_LoanPortfoliosMember" name="LoanPortfoliosMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_MortgageAndConsumerMember" name="MortgageAndConsumerMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_RerentalLeasingNonOwnerOccupiedMember" name="RerentalLeasingNonOwnerOccupiedMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_RerentalLeasingAllOtherMember" name="RerentalLeasingAllOtherMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_ConstructionDevelopersMember" name="ConstructionDevelopersMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_AccommodationsMember" name="AccommodationsMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_ServicesMember" name="ServicesMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_HealthCareOrSocialAssistanceMember" name="HealthCareOrSocialAssistanceMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_ReRentalLeasingMultifamilyMember" name="ReRentalLeasingMultifamilyMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_ReRentalLeasingDevelopersMember" name="ReRentalLeasingDevelopersMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_ManufacturingMember" name="ManufacturingMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_ConstructionAllOtherMember" name="ConstructionAllOtherMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_ProfScientificTechnicalMember" name="ProfScientificTechnicalMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_TradeMember" name="TradeMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_TransportationWarehousingMember" name="TransportationWarehousingMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_FoodServiceMember" name="FoodServiceMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_PublicAdministrationMember" name="PublicAdministrationMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_EntertainmentRecreationMember" name="EntertainmentRecreationMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_AgricultureMember" name="AgricultureMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_EnergyMember" name="EnergyMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_InterestIncomeExpenseSecuritiesTaxable" name="InterestIncomeExpenseSecuritiesTaxable" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="func_ForeclosedRealEstateExpenseIncomeNet" name="ForeclosedRealEstateExpenseIncomeNet" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="func_LongTermIncentivePlanMember" name="LongTermIncentivePlanMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_SharebasedCompensationArrangementByShareBasedPaymentAwardPerformancePeriod" name="SharebasedCompensationArrangementByShareBasedPaymentAwardPerformancePeriod" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_OfficersMember" name="OfficersMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_SharebasedCompensationPercentageOfAwardBasedOnPerformance" name="SharebasedCompensationPercentageOfAwardBasedOnPerformance" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="func_HeldToMaturitySecuritiesFairValueDisclosure" name="HeldToMaturitySecuritiesFairValueDisclosure" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="func_UnvestedRestrictedStockUnitsMember" name="UnvestedRestrictedStockUnitsMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
</schema>
