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  <xsd:element id="func_InvestmentSecuritiesAvailableForSaleMember" name="InvestmentSecuritiesAvailableForSaleMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_PeriodOfEmploymentUsedToDetermineBenefits" name="PeriodOfEmploymentUsedToDetermineBenefits" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="func_AllOtherAcquisitionAndDevelopmentMember" name="AllOtherAcquisitionAndDevelopmentMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_CoronavirusAidReliefAndEconomicSecurityActMember" name="CoronavirusAidReliefAndEconomicSecurityActMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_PaycheckProtectionProgramLoansSbaGuaranteePercent" name="PaycheckProtectionProgramLoansSbaGuaranteePercent" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="func_ForeclosedRealEstateExpenseIncomeNet" name="ForeclosedRealEstateExpenseIncomeNet" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="func_LongTermIncentivePlanMember" name="LongTermIncentivePlanMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_SharebasedCompensationPercentageOfAwardBasedOnPerformance" name="SharebasedCompensationPercentageOfAwardBasedOnPerformance" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="func_HeldToMaturitySecuritiesFairValueDisclosure" name="HeldToMaturitySecuritiesFairValueDisclosure" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="func_UnvestedRestrictedStockUnitsMember" name="UnvestedRestrictedStockUnitsMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_InvestorRelations" name="InvestorRelations" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="func_DefinedContributionPlanConsecutiveYearsOfServiceToBeCompletedByParticipant" name="DefinedContributionPlanConsecutiveYearsOfServiceToBeCompletedByParticipant" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="func_PeriodToRefrainFromEngagingInCompetitiveEmploymentFollowingSeparationFromService" name="PeriodToRefrainFromEngagingInCompetitiveEmploymentFollowingSeparationFromService" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="func_PaycheckProtectionProgramLoanAmount" name="PaycheckProtectionProgramLoanAmount" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="func_AmortizationOfRecognizedIncomeMember" name="AmortizationOfRecognizedIncomeMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_PercentageOfLoanPortfolioAccruingLoansExcludingPppLoansPastDueThirtyDaysOrMore" name="PercentageOfLoanPortfolioAccruingLoansExcludingPppLoansPastDueThirtyDaysOrMore" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="func_TwentyEighteenEquityPlanMember" name="TwentyEighteenEquityPlanMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_SharebasedCompensationArrangementByShareBasedPaymentAwardVestingPeriod" name="SharebasedCompensationArrangementByShareBasedPaymentAwardVestingPeriod" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="func_PerformanceVestedSharesMember" name="PerformanceVestedSharesMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_TimeVestedSharesMember" name="TimeVestedSharesMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_GainLossOther" name="GainLossOther" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element id="func_FirstUnitedBankTrustMember" name="FirstUnitedBankTrustMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="func_CommonEquityTierOneRiskBasedCapitalToRiskWeightedAssets" name="CommonEquityTierOneRiskBasedCapitalToRiskWeightedAssets" nillable="true" type="xbrli:pureItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="func_CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacyPurposes" name="CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacyPurposes" nillable="true" type="xbrli:pureItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="func_CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" name="CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" nillable="true" type="xbrli:pureItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="func_Year2020Member" name="Year2020Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="func_Year2021Member" name="Year2021Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="func_ExtensionOfMaturityMember" name="ExtensionOfMaturityMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="func_ImpairmentRecoveryOfRealEstate" name="ImpairmentRecoveryOfRealEstate" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="func_ReclassificaitonOutOfAccumulatedOtherComprehensiveIncomeLossTypeAxis" name="ReclassificaitonOutOfAccumulatedOtherComprehensiveIncomeLossTypeAxis" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="func_ReclassificaitonOutOfAccumulatedOtherComprehensiveIncomeLossTypeDomain" name="ReclassificaitonOutOfAccumulatedOtherComprehensiveIncomeLossTypeDomain" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="func_AccretableYieldInIncomeMember" name="AccretableYieldInIncomeMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="func_RecognitionOfGainsLossesInIncomeMember" name="RecognitionOfGainsLossesInIncomeMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="GoodwillAndOtherIntangibleAssets" id="func_GoodwillAndOtherIntangibleAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="TransferOfSecuritiesAvailableForSaleToHeldToMaturity" id="func_TransferOfSecuritiesAvailableForSaleToHeldToMaturity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="HeldToMaturitySecuritiesInUnrealizedLossPositionsMoreThan12MonthsNumberOfPositions" id="func_HeldToMaturitySecuritiesInUnrealizedLossPositionsMoreThan12MonthsNumberOfPositions" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="EquityMethodInvestmentMember" id="func_EquityMethodInvestmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_AccumulatedSupplementalEmployeeRetirementPlanAdjustmentMember" name="AccumulatedSupplementalEmployeeRetirementPlanAdjustmentMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="func_NumberOfNewDirectors" name="NumberOfNewDirectors" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element name="Year2022Member" id="func_Year2022Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DebtSecuritiesAvailableForSaleTransferToHeldToMaturityAmount" id="func_DebtSecuritiesAvailableForSaleTransferToHeldToMaturityAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesAvailableForSaleTransferToHeldToMaturityGainLoss" id="func_DebtSecuritiesAvailableForSaleTransferToHeldToMaturityGainLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="IncreaseDecreaseInLoansAndLeasesReceivableNetOfDeferredIncome" id="func_IncreaseDecreaseInLoansAndLeasesReceivableNetOfDeferredIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="OperatingLeaseRightOfUseAssetAmortizationExpenseIncome" id="func_OperatingLeaseRightOfUseAssetAmortizationExpenseIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="AccumulatedNetUnrealizedInvestmentGainLossTransferOfSecurityToHeldToMaturityMember" id="func_AccumulatedNetUnrealizedInvestmentGainLossTransferOfSecurityToHeldToMaturityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AccumulatedNetUnrealizedInvestmentGainLossTransferOfSecurityFromAvailableForSaleToHeldToMaturityMember" id="func_AccumulatedNetUnrealizedInvestmentGainLossTransferOfSecurityFromAvailableForSaleToHeldToMaturityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AccumulatedNetUnrealizedInvestmentGainLossExcludingTransfersMember" id="func_AccumulatedNetUnrealizedInvestmentGainLossExcludingTransfersMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="OtherComprehensiveIncomeLossTransfersToHeldToMaturityBeforeReclassificationsBeforeTax" id="func_OtherComprehensiveIncomeLossTransfersToHeldToMaturityBeforeReclassificationsBeforeTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DefinedBenefitPlanPlanAssetsMarketValueIncreaseDecreaseTotal" id="func_DefinedBenefitPlanPlanAssetsMarketValueIncreaseDecreaseTotal" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ShortTermDebtIncreaseDecrease" id="func_ShortTermDebtIncreaseDecrease" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="OtherShortTermDebtIncreaseDecrease" id="func_OtherShortTermDebtIncreaseDecrease" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="BorrowingCapacityToAccountBalancesPercentage" id="func_BorrowingCapacityToAccountBalancesPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="CharitableContribution" id="func_CharitableContribution" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="PercentageOfLoanPortfolioAccruingLoanPastDueThirtyDaysOrMore" id="func_PercentageOfLoanPortfolioAccruingLoanPastDueThirtyDaysOrMore" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
</xsd:schema>
