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  <xsd:element name="ProvisionForIndemnifications" id="cffi_ProvisionForIndemnifications" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="GainsLossesOnSalesOfLoansHeldForSale" id="cffi_GainsLossesOnSalesOfLoansHeldForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="OtherNoninterestIncomeLossNet" id="cffi_OtherNoninterestIncomeLossNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="MaturitiesPurchasesOfTimeDepositsNet" id="cffi_MaturitiesPurchasesOfTimeDepositsNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="NoninterestExpenseNet" id="cffi_NoninterestExpenseNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="FinancialReceivablesCurrentMember" id="cffi_FinancialReceivablesCurrentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MarineAndRecreationalVehiclesMember" id="cffi_MarineAndRecreationalVehiclesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetDecreaseIncreaseInCommunityBankingLoansHeldForInvestment" id="cffi_NetDecreaseIncreaseInCommunityBankingLoansHeldForInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ReclassificationOfRecognizedNetActuarialLossesMember" id="cffi_ReclassificationOfRecognizedNetActuarialLossesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DefinedBenefitPlansTaxTaxEffectsMember" id="cffi_DefinedBenefitPlansTaxTaxEffectsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AmortizationOfHedgingGainsIntoNetIncomeMember" id="cffi_AmortizationOfHedgingGainsIntoNetIncomeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CashFlowHedgesTaxEffectsMember" id="cffi_CashFlowHedgesTaxEffectsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="IndemnificationPayments" id="cffi_IndemnificationPayments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="NonInterestInvestmentIncomeInOtherEquityInterests" id="cffi_NonInterestInvestmentIncomeInOtherEquityInterests" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="InterSegmentInterestDebtInstrumentCeilingPercent" id="cffi_InterSegmentInterestDebtInstrumentCeilingPercent" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ReserveForCreditLossesOnUnfundedCommitments" id="cffi_ReserveForCreditLossesOnUnfundedCommitments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ConstructionCommercialRealEstateLoansMember" id="cffi_ConstructionCommercialRealEstateLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LandAcquisitionAndDevelopmentLoansMember" id="cffi_LandAcquisitionAndDevelopmentLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="BuilderLinesLoansMember" id="cffi_BuilderLinesLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ConstructionConsumerRealEstateLoansMember" id="cffi_ConstructionConsumerRealEstateLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="OtherConsumerLoansMember" id="cffi_OtherConsumerLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableReversalOfInterestIncomeUponPlacingLoansOnNonaccrualStatus" id="cffi_FinancingReceivableReversalOfInterestIncomeUponPlacingLoansOnNonaccrualStatus" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivablesModifiedLoansWeightedAverageInterestRate" id="cffi_FinancingReceivablesModifiedLoansWeightedAverageInterestRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="FinancingReceivablesModifiedLoansWeightedAverageExtensionTerm" id="cffi_FinancingReceivablesModifiedLoansWeightedAverageExtensionTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ProvisionForUnfundedCommitments" id="cffi_ProvisionForUnfundedCommitments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ProvisionForCreditLosses" id="cffi_ProvisionForCreditLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="CommercialAndConsumerLoanPortfolioMember" id="cffi_CommercialAndConsumerLoanPortfolioMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CreditRatingVeryGoodMember" id="cffi_CreditRatingVeryGoodMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CreditRatingGoodMember" id="cffi_CreditRatingGoodMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CreditRatingFairlyGoodMember" id="cffi_CreditRatingFairlyGoodMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CreditRatingFairMember" id="cffi_CreditRatingFairMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CreditRatingMarginalMember" id="cffi_CreditRatingMarginalMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableCollateralDependentLoansWhichRequiredSaleOfCollateralAndBorrowerHadFinancialDifficulty" id="cffi_FinancingReceivableCollateralDependentLoansWhichRequiredSaleOfCollateralAndBorrowerHadFinancialDifficulty" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DemandDepositOverdraftsMember" id="cffi_DemandDepositOverdraftsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ScheduleOfBreakdownOfProvisionForCreditLossesTableTextBlock" id="cffi_ScheduleOfBreakdownOfProvisionForCreditLossesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ImpairmentLossDebtSecurities" id="cffi_ImpairmentLossDebtSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableTroubledDebtRestructuringSubsequentDefaultNumberOfContracts2" id="cffi_FinancingReceivableTroubledDebtRestructuringSubsequentDefaultNumberOfContracts2" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="AccruedInterestReceivableMember" id="cffi_AccruedInterestReceivableMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="Rule10b51ArrangementModified" id="cffi_Rule10b51ArrangementModified" type="xbrli:booleanItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="NonRule10b51ArrangementModified" id="cffi_NonRule10b51ArrangementModified" type="xbrli:booleanItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ShareRepurchaseProgram2024Member" id="cffi_ShareRepurchaseProgram2024Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="OneMonthTermSecuredOvernightFinancingRateSofrMember" id="cffi_OneMonthTermSecuredOvernightFinancingRateSofrMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="InterestIncomeExpenseBeforeAllocationAmongSegments" id="cffi_InterestIncomeExpenseBeforeAllocationAmongSegments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="InterestIncomeExpenseAllocation" id="cffi_InterestIncomeExpenseAllocation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ReversalOfProvisionForLossIndemnification" id="cffi_ReversalOfProvisionForLossIndemnification" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ShareRepurchaseProgram2025Member" id="cffi_ShareRepurchaseProgram2025Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ScheduleOfUnfundedCommitmentsTableTextBlock" id="cffi_ScheduleOfUnfundedCommitmentsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
</xsd:schema>
