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  <xsd:element id="func_TrustAssetsAndIncomePolicyTextBlock" name="TrustAssetsAndIncomePolicyTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
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  <xsd:element id="func_AllowanceForUnfundedLoanCommitments" name="AllowanceForUnfundedLoanCommitments" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" 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_ScheduleOfComponentsOfOtherRealEstateOwnedExpenseTableTextBlock" name="ScheduleOfComponentsOfOtherRealEstateOwnedExpenseTableTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="func_OreoExpensesNet" name="OreoExpensesNet" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="func_ScheduleOfTimeDepositMaturitiesTableTextBlock" name="ScheduleOfTimeDepositMaturitiesTableTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="func_EffectiveIncomeTaxRateReconciliationTaxExemptIncomeOnSecuritiesAndLoansPercent" name="EffectiveIncomeTaxRateReconciliationTaxExemptIncomeOnSecuritiesAndLoansPercent" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="func_EffectiveIncomeTaxRateReconciliationTaxExemptBankOwnedLifeInsuranceIncome" name="EffectiveIncomeTaxRateReconciliationTaxExemptBankOwnedLifeInsuranceIncome" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="func_DeferredTaxAssetsOtherRealEstateOwned" name="DeferredTaxAssetsOtherRealEstateOwned" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="func_ScheduleOfTargetAllocationOfPlanAssetsTableTextBlock" name="ScheduleOfTargetAllocationOfPlanAssetsTableTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="func_LargeCapMember" name="LargeCapMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="func_MidCapMember" name="MidCapMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="func_SmallCapMember" name="SmallCapMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="func_InternationalMember" name="InternationalMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="func_DefinedContribution401KProfitSharingPlanTextBlock" name="DefinedContribution401KProfitSharingPlanTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="func_FederalReserveRequirementsTextBlock" name="FederalReserveRequirementsTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="func_InvestmentInNonBankSubsidiaries" name="InvestmentInNonBankSubsidiaries" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="func_DefinedContributionPlanEmployerMatchingContributionPercentOfMatchFirstOnePercentOfContributions" name="DefinedContributionPlanEmployerMatchingContributionPercentOfMatchFirstOnePercentOfContributions" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="func_DefinedContributionPlanEmployerMatchingContributionPercentOfMatchNextFivePercentOfContributions" name="DefinedContributionPlanEmployerMatchingContributionPercentOfMatchNextFivePercentOfContributions" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="func_CondensedStatementOfAccumulatedOtherComprehensiveIncomeTableTextBlock" name="CondensedStatementOfAccumulatedOtherComprehensiveIncomeTableTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="func_VariousFinancialInstitutionsMember" name="VariousFinancialInstitutionsMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="func_FederalReserveBankMember" name="FederalReserveBankMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="func_IncomeLossFromContinuingOperationsBeforeEquityMethodInvestments" name="IncomeLossFromContinuingOperationsBeforeEquityMethodInvestments" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element id="func_AccumulatedNetUnrealizedInvestmentGainLossHeldToMaturityMember" name="AccumulatedNetUnrealizedInvestmentGainLossHeldToMaturityMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="func_PercentageOfCapitalStockAndSurplusOnSecuredBasis" name="PercentageOfCapitalStockAndSurplusOnSecuredBasis" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="func_LibertyMewsLimitedPartnershipMember" name="LibertyMewsLimitedPartnershipMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="func_BorrowingCapacityToAssets" name="BorrowingCapacityToAssets" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="func_AvailableForSaleSecuritiesFairValue" name="AvailableForSaleSecuritiesFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="func_CommonEquityTierOneRiskBasedCapitalToRiskWeightedAssets" name="CommonEquityTierOneRiskBasedCapitalToRiskWeightedAssets" nillable="true" type="xbrli:pureItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="func_CommonEquityTierOneRiskBasedCapitalRequired" name="CommonEquityTierOneRiskBasedCapitalRequired" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element id="func_CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacyPurposes" name="CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacyPurposes" nillable="true" type="xbrli:pureItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="func_CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalized" name="CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalized" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element id="func_CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" name="CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" nillable="true" type="xbrli:pureItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="func_TimeDeposits250000OrMore" name="TimeDeposits250000OrMore" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element id="func_OtherThanSerpHiredPriorTo2010Member" name="OtherThanSerpHiredPriorTo2010Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="func_OtherThanSerpHiredSinceJan12010Member" name="OtherThanSerpHiredSinceJan12010Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="func_AverageReturnOnPensionPortfolioAssets" name="AverageReturnOnPensionPortfolioAssets" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="func_ExpectedLongTermReturnOnPensionPortfolioAssets" name="ExpectedLongTermReturnOnPensionPortfolioAssets" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="func_VestingPeriodOfEmployerDiscretionaryContribution" name="VestingPeriodOfEmployerDiscretionaryContribution" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="func_RestrictedStockImpairmentCharge" name="RestrictedStockImpairmentCharge" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="func_MultiFamilyLoansMember" name="MultiFamilyLoansMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="func_TelephonyExpense" name="TelephonyExpense" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="func_ResidentialMortgageConstructionMember" name="ResidentialMortgageConstructionMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="func_CommonEquityTierOneRiskBasedCapital" name="CommonEquityTierOneRiskBasedCapital" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element id="func_ServiceChargesMember" name="ServiceChargesMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_OtherServiceChargesMember" name="OtherServiceChargesMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_TrustDepartmentMember" name="TrustDepartmentMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_DebitCardIncomeMember" name="DebitCardIncomeMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_BankOwnedLifeInsuranceMember" name="BankOwnedLifeInsuranceMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_BrokerageCommissionsMember" name="BrokerageCommissionsMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_MiscellaneousOtherServiceMember" name="MiscellaneousOtherServiceMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_FairValueMeasurementsDiscountRate" name="FairValueMeasurementsDiscountRate" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="func_NetAmortizationOfAvailableForSaleSecuritiesDiscountsAndPremiums" name="NetAmortizationOfAvailableForSaleSecuritiesDiscountsAndPremiums" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="func_NetAmortizationOfHeldToMaturitySecuritiesDiscountsAndPremiums" name="NetAmortizationOfHeldToMaturitySecuritiesDiscountsAndPremiums" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="func_HeldToMaturitySecuritiesInUnrealizedLossPositionsLessThan12MonthsNumberOfPositions" name="HeldToMaturitySecuritiesInUnrealizedLossPositionsLessThan12MonthsNumberOfPositions" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="func_HeldToMaturitySecuritiesInUnrealizedLossPositions12MonthsOrLongerNumberOfPositions" name="HeldToMaturitySecuritiesInUnrealizedLossPositions12MonthsOrLongerNumberOfPositions" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="func_LeaseRightOfUseAssetsAndLeaseLiabilitiesTableTextBlock" name="LeaseRightOfUseAssetsAndLeaseLiabilitiesTableTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="func_WeightedAverageLeaseTermAndDiscountRateOperatingLeasesTableTextBlock" name="WeightedAverageLeaseTermAndDiscountRateOperatingLeasesTableTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="func_DiscountedCashFlowMember" name="DiscountedCashFlowMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_MarketComparablePropertiesMember" name="MarketComparablePropertiesMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_ImpairedMember" name="ImpairedMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_WesternMarylandAndNortheasternWestVirginiaMember" name="WesternMarylandAndNortheasternWestVirginiaMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_FamilyMortgageLoansMember" name="FamilyMortgageLoansMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_TaxableMunicipalBondsAndNotesMember" name="TaxableMunicipalBondsAndNotesMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_CorporateBondsAndNotesMember" name="CorporateBondsAndNotesMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_ConsumerLoanPersonalCreditLinesMember" name="ConsumerLoanPersonalCreditLinesMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_NumberOfGeographicRegionsUtilized" name="NumberOfGeographicRegionsUtilized" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="func_NumberOfGeographicRegionsRepresentingOfLendingFootprint" name="NumberOfGeographicRegionsRepresentingOfLendingFootprint" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="func_PeriodForAverageReturnOnPensionPortfolioAssets" name="PeriodForAverageReturnOnPensionPortfolioAssets" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="func_PremisesMember" name="PremisesMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_DeferredTaxAssetsLeaseLiability" name="DeferredTaxAssetsLeaseLiability" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="func_DeferredTaxLiabilitiesLeaseRightOfUseAsset" name="DeferredTaxLiabilitiesLeaseRightOfUseAsset" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element id="func_FourEmployeesMember" name="FourEmployeesMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <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_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_TwentyEighteenEquityPlanMember" name="TwentyEighteenEquityPlanMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_ReserveRequirementRatios" name="ReserveRequirementRatios" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="func_FirstUnitedStatutoryTrustOneAndTwoMember" name="FirstUnitedStatutoryTrustOneAndTwoMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_FirstUnitedStatutoryTrustOneMember" name="FirstUnitedStatutoryTrustOneMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_FirstUnitedStatutoryTrustTwoMember" name="FirstUnitedStatutoryTrustTwoMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element id="func_InsuranceReimbursementMember" name="InsuranceReimbursementMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="func_GainsLossesOnSalesAndWriteDownsOfForeclosedRealEstateNet" name="GainsLossesOnSalesAndWriteDownsOfForeclosedRealEstateNet" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="func_CharitableContributions" name="CharitableContributions" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="func_PaymentsToAcquireWealthPortfolio" name="PaymentsToAcquireWealthPortfolio" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element id="func_PercentageOfNonVotingMembershipInterest" name="PercentageOfNonVotingMembershipInterest" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="func_MccFubtFundLlcMember" name="MccFubtFundLlcMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="func_GoodwillAndOtherIntangibleAssets" name="GoodwillAndOtherIntangibleAssets" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="func_FederalHomeLoanBankPrepaymentExpense" name="FederalHomeLoanBankPrepaymentExpense" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="func_DeferredTaxLiabilitiesPension" name="DeferredTaxLiabilitiesPension" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <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" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="func_TimeVestedSharesMember" name="TimeVestedSharesMember" 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_Year2020Member" name="Year2020Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="func_EquityMethodInvestmentMember" name="EquityMethodInvestmentMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="func_InvestmentSecuritiesAvailableForSaleMember" name="InvestmentSecuritiesAvailableForSaleMember" 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 id="func_PercentageOfLoanPortfolioAccruingLoanPastDueThirtyDaysOrMore" name="PercentageOfLoanPortfolioAccruingLoanPastDueThirtyDaysOrMore" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element name="RestrictedInvestmentBankStockPolicyTextBlock" id="func_RestrictedInvestmentBankStockPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <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 id="func_AmortizationOfRecognizedIncomeMember" name="AmortizationOfRecognizedIncomeMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="WealthBookBusinessMember" id="func_WealthBookBusinessMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="MortgageCompanyMember" id="func_MortgageCompanyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="HeldToMaturitySecuritiesRealizedLosses" id="func_HeldToMaturitySecuritiesRealizedLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="HeldToMaturitySecuritiesRealizedGains" id="func_HeldToMaturitySecuritiesRealizedGains" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="Year2022Member" id="func_Year2022Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ThreeParticipantsMember" id="func_ThreeParticipantsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SecondThreeParticipantsMember" id="func_SecondThreeParticipantsMember" 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="ReclassificationFromAccumulatedOtherComprehensiveIncomeRelatedToAdjustmentsGainsLossesCurrentPeriodBeforeTax" id="func_ReclassificationFromAccumulatedOtherComprehensiveIncomeRelatedToAdjustmentsGainsLossesCurrentPeriodBeforeTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <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="TransferOfSecuritiesAvailableForSaleToHeldToMaturity" id="func_TransferOfSecuritiesAvailableForSaleToHeldToMaturity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="AccumulatedNetUnrealizedInvestmentGainLossTransferOfSecurityFromAvailableForSaleToHeldToMaturityMember" id="func_AccumulatedNetUnrealizedInvestmentGainLossTransferOfSecurityFromAvailableForSaleToHeldToMaturityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DebtSecuritiesAvailableForSaleUnrealizedGainLossOnCalls" id="func_DebtSecuritiesAvailableForSaleUnrealizedGainLossOnCalls" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="OtherComprehensiveIncomeLossTransferredFromAvailableForSaleToHeldToMaturityBeforeTax" id="func_OtherComprehensiveIncomeLossTransferredFromAvailableForSaleToHeldToMaturityBeforeTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="SecuritiesTransferAxis" id="func_SecuritiesTransferAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SecuritiesTransferDomain" id="func_SecuritiesTransferDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
</xsd:schema>
