<?xml version="1.0" encoding="us-ascii"?>
<!--XBRL document created by Certent Disclosure Management 6.6.0.153 -->
<!--Based on XBRL 2.1-->
<!--Created on: 5/5/2017 11:37:26 AM-->
<!--Modified on: 5/5/2017 11:37:26 AM-->
<schema xmlns="http://www.w3.org/2001/XMLSchema" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" targetNamespace="http://www.waynebank.com/20170331" elementFormDefault="qualified" attributeFormDefault="unqualified" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:nwfl="http://www.waynebank.com/20170331" xmlns:xbrldt="http://xbrl.org/2005/xbrldt">
  <annotation>
    <appinfo>
      <link:roleType roleURI="http://www.waynebank.com/role/StatementConsolidatedBalanceSheets" id="StatementConsolidatedBalanceSheets">
        <link:definition>00100 - Statement - Consolidated Balance Sheets</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/StatementConsolidatedStatementsOfIncome" id="StatementConsolidatedStatementsOfIncome">
        <link:definition>00200 - Statement - Consolidated Statements of Income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/StatementConsolidatedStatementOfComprehensiveIncome" id="StatementConsolidatedStatementOfComprehensiveIncome">
        <link:definition>00300 - Statement - Consolidated Statement of Comprehensive Income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/StatementConsolidatedStatementsOfCashFlows" id="StatementConsolidatedStatementsOfCashFlows">
        <link:definition>00500 - Statement - Consolidated Statements of Cash Flows</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureEarningsPerShareBasicAndDilutedEarningsPerShareDetails" id="DisclosureEarningsPerShareBasicAndDilutedEarningsPerShareDetails">
        <link:definition>40202 - Disclosure - Earnings Per Share (Basic and Diluted Earnings Per Share) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureAccumulatedOtherComprehensiveIncomeLossComponentsOfAccumulatedOtherComprehensiveIncomeAndAccumulatedOtherComprehensiveIncomeDetails" id="DisclosureAccumulatedOtherComprehensiveIncomeLossComponentsOfAccumulatedOtherComprehensiveIncomeAndAccumulatedOtherComprehensiveIncomeDetails">
        <link:definition>40401 - Disclosure - Accumulated Other Comprehensive Income (Loss) (Components of Accumulated Other Comprehensive Income and Accumulated Other Comprehensive Income) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureSecuritiesAmortizedCostAndFairValuesOfSecuritiesDetails" id="DisclosureSecuritiesAmortizedCostAndFairValuesOfSecuritiesDetails">
        <link:definition>40601 - Disclosure - Securities (Amortized Cost and Fair Values of Securities) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureSecuritiesInvestmentsGrossUnrealizedLossesAndFairValueDetails" id="DisclosureSecuritiesInvestmentsGrossUnrealizedLossesAndFairValueDetails">
        <link:definition>40602 - Disclosure - Securities (Investments' Gross Unrealized Losses and Fair Value) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureSecuritiesSecuritiesByContractualMaturityDetails" id="DisclosureSecuritiesSecuritiesByContractualMaturityDetails">
        <link:definition>40603 - Disclosure - Securities (Securities by Contractual Maturity) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureSecuritiesGrossRealizedGainsAndLossesOnSalesOfSecuritiesAvailableForSaleDetails" id="DisclosureSecuritiesGrossRealizedGainsAndLossesOnSalesOfSecuritiesAvailableForSaleDetails">
        <link:definition>40604 - Disclosure - Securities (Gross Realized Gains and Losses on Sales of Securities Available-for-Sale) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureLoansReceivableAndAllowanceForLoanLossesCompositionOfLoansReceivableDetails" id="DisclosureLoansReceivableAndAllowanceForLoanLossesCompositionOfLoansReceivableDetails">
        <link:definition>40701 - Disclosure - Loans Receivable and Allowance for Loan Losses (Composition of Loans Receivable) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureLoansReceivableAndAllowanceForLoanLossesComponentsOfPurchaseAccountingAdjustmentsDetails" id="DisclosureLoansReceivableAndAllowanceForLoanLossesComponentsOfPurchaseAccountingAdjustmentsDetails">
        <link:definition>40702 - Disclosure - Loans Receivable and Allowance for Loan Losses (Components of Purchase Accounting Adjustments) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureLoansReceivableAndAllowanceForLoanLossesLoansIndividuallyAndCollectivelyEvaluatedForImpairmentDetails" id="DisclosureLoansReceivableAndAllowanceForLoanLossesLoansIndividuallyAndCollectivelyEvaluatedForImpairmentDetails">
        <link:definition>40705 - Disclosure - Loans Receivable and Allowance for Loan Losses (Loans Individually and Collectively Evaluated for Impairment) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureLoansReceivableAndAllowanceForLoanLossesImpairedLoansAndRelatedInterestIncomeByLoanPortfolioClassDetails" id="DisclosureLoansReceivableAndAllowanceForLoanLossesImpairedLoansAndRelatedInterestIncomeByLoanPortfolioClassDetails">
        <link:definition>40706 - Disclosure - Loans Receivable and Allowance for Loan Losses (Impaired Loans and Related Interest Income by Loan Portfolio Class) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureLoansReceivableAndAllowanceForLoanLossesLoanPortfolioSummarizedByPastDueStatusDetails" id="DisclosureLoansReceivableAndAllowanceForLoanLossesLoanPortfolioSummarizedByPastDueStatusDetails">
        <link:definition>40709 - Disclosure - Loans Receivable and Allowance for Loan Losses (Loan Portfolio Summarized by the Past Due Status) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureAcquisitionOfDelawareBancsharesIncScheduleOfBusinessAcquisitionsByAcquisitionDetails" id="DisclosureAcquisitionOfDelawareBancsharesIncScheduleOfBusinessAcquisitionsByAcquisitionDetails">
        <link:definition>41002 - Disclosure - Acquisition of Delaware Bancshares, Inc. (Schedule of Business Acquisitions, by Acquisition) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureAcquisitionOfDelawareBancsharesIncFutureAmortizationExpenseDetails" id="DisclosureAcquisitionOfDelawareBancsharesIncFutureAmortizationExpenseDetails">
        <link:definition>41003 - Disclosure - Acquisition of Delaware Bancshares, Inc. (Future Amortization Expense) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/StatementDocumentAndEntityInformation" id="StatementDocumentAndEntityInformation">
        <link:definition>00090 - Statement - Document and Entity Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/StatementConsolidatedBalanceSheetsParenthetical" id="StatementConsolidatedBalanceSheetsParenthetical">
        <link:definition>00105 - Statement - Consolidated Balance Sheets (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/StatementConsolidatedStatementsOfChangesInStockholdersEquity" id="StatementConsolidatedStatementsOfChangesInStockholdersEquity">
        <link:definition>00400 - Statement - Consolidated Statements of Changes in Stockholders' Equity</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/StatementConsolidatedStatementsOfChangesInStockholdersEquityParenthetical" id="StatementConsolidatedStatementsOfChangesInStockholdersEquityParenthetical">
        <link:definition>00405 - Statement - Consolidated Statements of Changes in Stockholders' Equity (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureBasisOfPresentation" id="DisclosureBasisOfPresentation">
        <link:definition>10101 - Disclosure - Basis of Presentation</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureEarningsPerShare" id="DisclosureEarningsPerShare">
        <link:definition>10201 - Disclosure - Earnings Per Share</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureStockBasedCompensation" id="DisclosureStockBasedCompensation">
        <link:definition>10301 - Disclosure - Stock-Based Compensation</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureAccumulatedOtherComprehensiveIncomeLoss" id="DisclosureAccumulatedOtherComprehensiveIncomeLoss">
        <link:definition>10401 - Disclosure - Accumulated Other Comprehensive Income (Loss)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureOffBalanceSheetFinancialInstrumentsAndGuarantees" id="DisclosureOffBalanceSheetFinancialInstrumentsAndGuarantees">
        <link:definition>10501 - Disclosure - Off-Balance Sheet Financial Instruments and Guarantees</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureSecurities" id="DisclosureSecurities">
        <link:definition>10601 - Disclosure - Securities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureLoansReceivableAndAllowanceForLoanLosses" id="DisclosureLoansReceivableAndAllowanceForLoanLosses">
        <link:definition>10701 - Disclosure - Loans Receivable and Allowance for Loan Losses</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureFairValueMeasurements" id="DisclosureFairValueMeasurements">
        <link:definition>10801 - Disclosure - Fair Value Measurements</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureNewAndRecentlyAdoptedAccountingPronouncements" id="DisclosureNewAndRecentlyAdoptedAccountingPronouncements">
        <link:definition>10901 - Disclosure - New and Recently Adopted Accounting Pronouncements</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureAcquisitionOfDelawareBancsharesInc" id="DisclosureAcquisitionOfDelawareBancsharesInc">
        <link:definition>11001 - Disclosure - Acquisition of Delaware Bancshares, Inc.</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureBasisOfPresentationPolicy" id="DisclosureBasisOfPresentationPolicy">
        <link:definition>20102 - Disclosure - Basis of Presentation (Policy)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureEarningsPerSharePolicy" id="DisclosureEarningsPerSharePolicy">
        <link:definition>20202 - Disclosure - Earnings Per Share (Policy)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureLoansReceivableAndAllowanceForLoanLossesPolicy" id="DisclosureLoansReceivableAndAllowanceForLoanLossesPolicy">
        <link:definition>20702 - Disclosure - Loans Receivable and Allowance for Loan Losses (Policy)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureNewAndRecentlyAdoptedAccountingPronouncementsPolicy" id="DisclosureNewAndRecentlyAdoptedAccountingPronouncementsPolicy">
        <link:definition>20902 - Disclosure - New and Recently Adopted Accounting Pronouncements (Policy)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureEarningsPerShareTables" id="DisclosureEarningsPerShareTables">
        <link:definition>30203 - Disclosure - Earnings Per Share (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureStockBasedCompensationTables" id="DisclosureStockBasedCompensationTables">
        <link:definition>30303 - Disclosure - Stock Based Compensation (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureAccumulatedOtherComprehensiveIncomeLossTables" id="DisclosureAccumulatedOtherComprehensiveIncomeLossTables">
        <link:definition>30403 - Disclosure - Accumulated Other Comprehensive Income (Loss) (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureOffBalanceSheetFinancialInstrumentsAndGuaranteesTables" id="DisclosureOffBalanceSheetFinancialInstrumentsAndGuaranteesTables">
        <link:definition>30503 - Disclosure - Off-Balance Sheet Financial Instruments and Guarantees (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureSecuritiesTables" id="DisclosureSecuritiesTables">
        <link:definition>30603 - Disclosure - Securities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureLoansReceivableAndAllowanceForLoanLossesTables" id="DisclosureLoansReceivableAndAllowanceForLoanLossesTables">
        <link:definition>30703 - Disclosure - Loans Receivable and Allowance for Loan Losses (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureFairValueMeasurementsTables" id="DisclosureFairValueMeasurementsTables">
        <link:definition>30803 - Disclosure - Fair Value Measurements (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureAcquisitionOfDelawareBancsharesIncTables" id="DisclosureAcquisitionOfDelawareBancsharesIncTables">
        <link:definition>31003 - Disclosure - Acquisition of Delaware Bancshares, Inc. (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureEarningsPerShareNarrativeDetails" id="DisclosureEarningsPerShareNarrativeDetails">
        <link:definition>40201 - Disclosure - Earnings Per Share (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureStockBasedCompensationNarrativeDetails" id="DisclosureStockBasedCompensationNarrativeDetails">
        <link:definition>40301 - Disclosure - Stock Based Compensation (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureStockBasedCompensationSummaryOfStockOptionActivityDetails" id="DisclosureStockBasedCompensationSummaryOfStockOptionActivityDetails">
        <link:definition>40302 - Disclosure - Stock Based Compensation (Summary of Stock Option Activity) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureStockBasedCompensationRestrictedStockRollforwardDetails" id="DisclosureStockBasedCompensationRestrictedStockRollforwardDetails">
        <link:definition>40303 - Disclosure - Stock Based Compensation (Restricted Stock Rollforward) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureAccumulatedOtherComprehensiveIncomeLossItemsReclassifiedOutOfEachComponentOfOciDetails" id="DisclosureAccumulatedOtherComprehensiveIncomeLossItemsReclassifiedOutOfEachComponentOfOciDetails">
        <link:definition>40402 - Disclosure - Accumulated Other Comprehensive Income (Loss) (Items Reclassified Out of Each Component of OCI) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureOffBalanceSheetFinancialInstrumentsAndGuaranteesScheduleOfFairValueOffBalanceSheetRisksDetails" id="DisclosureOffBalanceSheetFinancialInstrumentsAndGuaranteesScheduleOfFairValueOffBalanceSheetRisksDetails">
        <link:definition>40501 - Disclosure - Off-Balance Sheet Financial Instruments and Guarantees (Schedule of Fair Value, Off-balance Sheet Risks) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureLoansReceivableAndAllowanceForLoanLossesNarrativeDetails" id="DisclosureLoansReceivableAndAllowanceForLoanLossesNarrativeDetails">
        <link:definition>40700 - Disclosure - Loans Receivable and Allowance for Loan Losses (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureLoansReceivableAndAllowanceForLoanLossesChangesInAmortizableYieldDetails" id="DisclosureLoansReceivableAndAllowanceForLoanLossesChangesInAmortizableYieldDetails">
        <link:definition>40703 - Disclosure - Loans Receivable and Allowance for Loan Losses (Changes in Amortizable Yield) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureLoansReceivableAndAllowanceForLoanLossesLoansAcquiredAndAccountedForInAccordanceWithAsc31030Details" id="DisclosureLoansReceivableAndAllowanceForLoanLossesLoansAcquiredAndAccountedForInAccordanceWithAsc31030Details">
        <link:definition>40704 - Disclosure - Loans Receivable and Allowance for Loan Losses (Loans Acquired and Accounted for in Accordance with ASC 310-30) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureLoansReceivableAndAllowanceForLoanLossesTroubledDebtRestructuringsDetails" id="DisclosureLoansReceivableAndAllowanceForLoanLossesTroubledDebtRestructuringsDetails">
        <link:definition>40707 - Disclosure - Loans Receivable and Allowance for Loan Losses (Troubled Debt Restructurings) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureLoansReceivableAndAllowanceForLoanLossesClassesOfLoanPortfolioSummarizedByAggregateRiskRatingDetails" id="DisclosureLoansReceivableAndAllowanceForLoanLossesClassesOfLoanPortfolioSummarizedByAggregateRiskRatingDetails">
        <link:definition>40708 - Disclosure - Loans Receivable and Allowance for Loan Losses (Classes of the Loan Portfolio Summarized by the Aggregate Risk Rating) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureLoansReceivableAndAllowanceForLoanLossesAllowanceForLoanLossesAndRecordedInvestmentInFinancingReceivablesDetails" id="DisclosureLoansReceivableAndAllowanceForLoanLossesAllowanceForLoanLossesAndRecordedInvestmentInFinancingReceivablesDetails">
        <link:definition>40710 - Disclosure - Loans Receivable and Allowance for Loan Losses (Allowance for Loan Losses and Recorded Investment in Financing Receivables) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureFairValueMeasurementsFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisDetails" id="DisclosureFairValueMeasurementsFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisDetails">
        <link:definition>40801 - Disclosure - Fair Value Measurements (Fair Value, Assets and Liabilities Measured on Recurring Basis) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureFairValueMeasurementsFairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisDetails" id="DisclosureFairValueMeasurementsFairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisDetails">
        <link:definition>40802 - Disclosure - Fair Value Measurements (Fair Value, Assets and Liabilities Measured on Nonrecurring Basis) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureFairValueMeasurementsAdditionalQualitativeInformationAboutLevel3AssetsDetails" id="DisclosureFairValueMeasurementsAdditionalQualitativeInformationAboutLevel3AssetsDetails">
        <link:definition>40803 - Disclosure - Fair Value Measurements (Additional Qualitative Information about Level 3 Assets) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureFairValueMeasurementsFairValueByBalanceSheetGroupingDetails" id="DisclosureFairValueMeasurementsFairValueByBalanceSheetGroupingDetails">
        <link:definition>40804 - Disclosure - Fair Value Measurements (Fair Value, by Balance Sheet Grouping) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureAcquisitionOfDelawareBancsharesIncNarrativeDetails" id="DisclosureAcquisitionOfDelawareBancsharesIncNarrativeDetails">
        <link:definition>41001 - Disclosure - Acquisition of Delaware Bancshares, Inc. (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.waynebank.com/role/DisclosureAcquisitionOfDelawareBancsharesIncProformaDetails" id="DisclosureAcquisitionOfDelawareBancsharesIncProformaDetails">
        <link:definition>41004 - Disclosure - Acquisition of Delaware Bancshares, Inc. (Proforma) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:linkbaseRef xlink:type="simple" xlink:href="nwfl-20170331_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Definition Links, all" />
      <link:linkbaseRef xlink:type="simple" xlink:href="nwfl-20170331_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Presentation Links, all" />
      <link:linkbaseRef xlink:type="simple" xlink:href="nwfl-20170331_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Label Links, all" />
      <link:linkbaseRef xlink:type="simple" xlink:href="nwfl-20170331_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Calculation Links, all" />
    </appinfo>
  </annotation>
  <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
  <import namespace="http://xbrl.sec.gov/dei/2014-01-31" schemaLocation="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd" />
  <import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd" />
  <import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" />
  <import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" />
  <import namespace="http://www.xbrl.org/2009/role/net" schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd" />
  <import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
  <import namespace="http://fasb.org/us-gaap/2016-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd" />
  <element id="nwfl_GainOnSaleOfDeposits" name="GainOnSaleOfDeposits" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="nwfl_ProceedsFromSaleOfBankPremisesAndEquipmentAndForeclosedRealEstate" name="ProceedsFromSaleOfBankPremisesAndEquipmentAndForeclosedRealEstate" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="nwfl_DepositsSold" name="DepositsSold" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="nwfl_WeightedAverageRemainingContractualTermOptionsExercisedDuringPeriod" name="WeightedAverageRemainingContractualTermOptionsExercisedDuringPeriod" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="nwfl_WeightedAverageRemainingContractualTermOptionsForfeitedDuringPeriod" name="WeightedAverageRemainingContractualTermOptionsForfeitedDuringPeriod" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="nwfl_GrossRealizedGainsOnLoans" name="GrossRealizedGainsOnLoans" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="nwfl_GrossRealizedLossesOnLoans" name="GrossRealizedLossesOnLoans" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="nwfl_PercentOfLoans" name="PercentOfLoans" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <element id="nwfl_UnfundedCommitmentsUnderLinesOfCreditMember" name="UnfundedCommitmentsUnderLinesOfCreditMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="nwfl_ForeclosedRealEstateOwnedMember" name="ForeclosedRealEstateOwnedMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="nwfl_ImpairedLoansMember" name="ImpairedLoansMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="nwfl_DocumentAndEntityInformationAbstract" name="DocumentAndEntityInformationAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <element id="nwfl_BusinessAcquisitionPurchasePriceAllocationAccruedInterestReceivable" name="BusinessAcquisitionPurchasePriceAllocationAccruedInterestReceivable" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="nwfl_BusinessAcquisitionPurchasePriceAllocationTimeDeposits" name="BusinessAcquisitionPurchasePriceAllocationTimeDeposits" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="nwfl_BusinessAcquisitionPurchasePriceAllocationDepositsOtherThanTimeDeposits" name="BusinessAcquisitionPurchasePriceAllocationDepositsOtherThanTimeDeposits" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="nwfl_AccruedInterestReceivableFairValueDisclosure" name="AccruedInterestReceivableFairValueDisclosure" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="nwfl_AccruedInterestPayableFairValueDisclosure" name="AccruedInterestPayableFairValueDisclosure" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="nwfl_GainLossOnSaleOfBankPremisesAndEquipmentAndForeclosedRealEstateOwned" name="GainLossOnSaleOfBankPremisesAndEquipmentAndForeclosedRealEstateOwned" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="nwfl_OtherRealEstateOwnedMember" name="OtherRealEstateOwnedMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="nwfl_FairValueDisclosureUnbservableInputRange" name="FairValueDisclosureUnbservableInputRange" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="nwfl_TotalSummarizedByAggregateRiskRatingMember" name="TotalSummarizedByAggregateRiskRatingMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="nwfl_TotalSummarizedByPerformanceOfIndividualCreditsMember" name="TotalSummarizedByPerformanceOfIndividualCreditsMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="nwfl_HospitalityLodgingIndustryMember" name="HospitalityLodgingIndustryMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="nwfl_AdditionalInformationRegardingLoansAcquiredAndAccountedForInAccordanceWithAsc31030TableTextBlock" name="AdditionalInformationRegardingLoansAcquiredAndAccountedForInAccordanceWithAsc31030TableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="nwfl_ImpairedLoansCumulativeChargeOffs" name="ImpairedLoansCumulativeChargeOffs" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="nwfl_NewLoansIdentifiedAsTroubledDebtRestructuringsNumberOfLoans" name="NewLoansIdentifiedAsTroubledDebtRestructuringsNumberOfLoans" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="nwfl_NumberOfImpairedLoansRequiringValuationAllowance" name="NumberOfImpairedLoansRequiringValuationAllowance" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="nwfl_NumberOfImpairedLoansNotRequiringValuationAllowance" name="NumberOfImpairedLoansNotRequiringValuationAllowance" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="nwfl_TroubledDebtRestructuredLoansMember" name="TroubledDebtRestructuredLoansMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="nwfl_PastDueAndNonAccrual" name="PastDueAndNonAccrual" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="nwfl_NonVestedRestrictedStockRecognitionPeriod" name="NonVestedRestrictedStockRecognitionPeriod" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="nwfl_WeightedAverageSharesOutstanding" name="WeightedAverageSharesOutstanding" nillable="true" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="nwfl_NorwoodFinancialCorp2014EquityIncentivePlanMember" name="NorwoodFinancialCorp2014EquityIncentivePlanMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="nwfl_BusinessAcquisitionSharesExchanged" name="BusinessAcquisitionSharesExchanged" nillable="true" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="nwfl_AggregateIntrinsicValueGrantedInPeriod" name="AggregateIntrinsicValueGrantedInPeriod" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="nwfl_AggregateIntrinsicValueForfeitedInPeriod" name="AggregateIntrinsicValueForfeitedInPeriod" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="nwfl_CommercialRentalsMember" name="CommercialRentalsMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="nwfl_DelawareBancsharesInc.Member" name="DelawareBancsharesInc.Member" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="nwfl_DelawareBancsharesInc.AcquisitionMember" name="DelawareBancsharesInc.AcquisitionMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="nwfl_FinancialLiabilitiesOtherBorrowingsAndJuniorSubordinatedDebentures" name="FinancialLiabilitiesOtherBorrowingsAndJuniorSubordinatedDebentures" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="nwfl_FinancialLiabilitiesOtherBorrowingsAndJuniorSubordinatedDebenturesFairValue" name="FinancialLiabilitiesOtherBorrowingsAndJuniorSubordinatedDebenturesFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="nwfl_ComponentsOfPurchaseAccountingAdjustmentsRelatedToPurchasedImpairedLoansAcquiredTableTextBlock" name="ComponentsOfPurchaseAccountingAdjustmentsRelatedToPurchasedImpairedLoansAcquiredTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="nwfl_ChangesInAmortizableYieldForPurchasedCreditImpairedLoansTableTextBlock" name="ChangesInAmortizableYieldForPurchasedCreditImpairedLoansTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="nwfl_ContractuallyRequiredPrincipalAndInterest" name="ContractuallyRequiredPrincipalAndInterest" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="nwfl_NonAccretableDiscount" name="NonAccretableDiscount" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="nwfl_ExpectedCashFlows" name="ExpectedCashFlows" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="nwfl_AccretableDiscount" name="AccretableDiscount" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="nwfl_AmortizableYieldOfAcquiredImpairedLoans" name="AmortizableYieldOfAcquiredImpairedLoans" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="nwfl_AdditionsToAmortizableYieldForAcquiredImpairedLoans" name="AdditionsToAmortizableYieldForAcquiredImpairedLoans" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="nwfl_AccretionOfAmortizableYieldOfAcquiredImpairedLoans" name="AccretionOfAmortizableYieldOfAcquiredImpairedLoans" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="nwfl_ReclassificationAndOtherAdjustmentsToAmortizableYieldOfAcquiredImpairedLoans" name="ReclassificationAndOtherAdjustmentsToAmortizableYieldOfAcquiredImpairedLoans" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="nwfl_CreditImpairedLoansAcquiredSubjectToNonAccretableDifference" name="CreditImpairedLoansAcquiredSubjectToNonAccretableDifference" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="nwfl_NonAccretableDifferenceForCreditImpairedLoansAcquired" name="NonAccretableDifferenceForCreditImpairedLoansAcquired" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="nwfl_AcquireeSharesSettledForStock" name="AcquireeSharesSettledForStock" nillable="true" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="nwfl_ValueAssignedToAcquirerCommonSharePerShare" name="ValueAssignedToAcquirerCommonSharePerShare" nillable="true" type="num:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="nwfl_AcquireeSharesSettledForCash" name="AcquireeSharesSettledForCash" nillable="true" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="nwfl_PurchasePriceAssignedToAcquireeShares" name="PurchasePriceAssignedToAcquireeShares" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="nwfl_CashInLieuOfFractionalShares" name="CashInLieuOfFractionalShares" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="nwfl_GoodwillAndIntangibleAssets" name="GoodwillAndIntangibleAssets" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="nwfl_TangibleEquity" name="TangibleEquity" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="nwfl_AdjustmentsToInvestmentsAcquiredToFairValue" name="AdjustmentsToInvestmentsAcquiredToFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="nwfl_AdjustmentsToInterestRatesOnLoansAcquiredToFairValue" name="AdjustmentsToInterestRatesOnLoansAcquiredToFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="nwfl_AdjustmentsToGeneralCreditOnLoansAcquiredToFairValue" name="AdjustmentsToGeneralCreditOnLoansAcquiredToFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="nwfl_AdjustmentsToSpecificCreditNonAmortizingOnLoansAcquiredToFairValue" name="AdjustmentsToSpecificCreditNonAmortizingOnLoansAcquiredToFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="nwfl_AdjustmentsToSpecificCreditAmortizingOnLoansAcquiredToFairValue" name="AdjustmentsToSpecificCreditAmortizingOnLoansAcquiredToFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="nwfl_AdjustmentsToCoreDepositIntangiblesAcquiredToFairValue" name="AdjustmentsToCoreDepositIntangiblesAcquiredToFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="nwfl_AdjustmentsToDeferredLoanFeesAcquiredToFairValue" name="AdjustmentsToDeferredLoanFeesAcquiredToFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="nwfl_AdjustmentsToPremisesAndEquipmentAcquiredToFairValue" name="AdjustmentsToPremisesAndEquipmentAcquiredToFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="nwfl_AdjustmentsToAllowanceForLoanAndLeaseLossesAcquiredToFairValue" name="AdjustmentsToAllowanceForLoanAndLeaseLossesAcquiredToFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="nwfl_AdjustmentsToDeferredTaxAssetsAcquiredToFairValue" name="AdjustmentsToDeferredTaxAssetsAcquiredToFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="nwfl_AdjustmentsToOtherAssetsAcquiredToFairValue" name="AdjustmentsToOtherAssetsAcquiredToFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="nwfl_AdjustmentsToTimeDepositsAcquiredToFairValue" name="AdjustmentsToTimeDepositsAcquiredToFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="nwfl_NetAssetsAcquiredRegulatoryStock" name="NetAssetsAcquiredRegulatoryStock" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="nwfl_NetAssetsAcquiredBankOwnedLifeInsurance" name="NetAssetsAcquiredBankOwnedLifeInsurance" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="nwfl_DenominatorForEarningsPerShare" name="DenominatorForEarningsPerShare" nillable="true" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="nwfl_ExchangeRatio" name="ExchangeRatio" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
</schema>
