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      <link:linkbaseRef xlink:type="simple" xlink:href="fxnc-20130331_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" />
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      <link:linkbaseRef xlink:type="simple" xlink:href="fxnc-20130331_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="fxnc-20130331_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" />
    </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/2012-01-31" schemaLocation="http://xbrl.sec.gov/dei/2012/dei-2012-01-31.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://fasb.org/us-gaap/2012-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd" />
  <import namespace="http://xbrl.sec.gov/exch/2012-01-31" schemaLocation="http://xbrl.sec.gov/exch/2012/exch-2012-01-31.xsd" />
  <import namespace="http://xbrl.sec.gov/country/2012-01-31" schemaLocation="http://xbrl.sec.gov/country/2012/country-2012-01-31.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://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
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  <element id="fxnc_AtmAndCheckCardFees" name="AtmAndCheckCardFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
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  <element id="fxnc_DemandDepositOverdraftsMember" name="DemandDepositOverdraftsMember" abstract="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_LoansTextualAbstract" name="LoansTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_ImpairedFinancingReceivablesAverageRecordedInvestment" name="ImpairedFinancingReceivablesAverageRecordedInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="fxnc_ImpairedFinancingReceivableInterestIncomeRecognized" name="ImpairedFinancingReceivableInterestIncomeRecognized" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="fxnc_AllowanceForLoanLossesTextualAbstract" name="AllowanceForLoanLossesTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_PerformingTroubledDebtRestructurings" name="PerformingTroubledDebtRestructurings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="fxnc_ChangesInAllowanceForOtherRealEstateOwnedLossesAbstract" name="ChangesInAllowanceForOtherRealEstateOwnedLossesAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_OtherBorrowingsTextualAbstract" name="OtherBorrowingsTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_NotePayableMonthlyPayments" name="NotePayableMonthlyPayments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="fxnc_FirstBankMember" name="FirstBankMember" abstract="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_TrustPreferredCapitalNotesTextualAbstract" name="TrustPreferredCapitalNotesTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_ImpairedLoansFairValueDisclosure" name="ImpairedLoansFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="fxnc_CapitalPurchaseProgramTextualAbstract" name="CapitalPurchaseProgramTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_AggregatePurchasePriceOfPreferredStockAndPreferredWarrants" name="AggregatePurchasePriceOfPreferredStockAndPreferredWarrants" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="fxnc_CashPaymentsAbstract" name="CashPaymentsAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_RedemptionDateOfSecurities" name="RedemptionDateOfSecurities" type="xbrli:dateItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_FairValueMeasurementsTextualAbstract" name="FairValueMeasurementsTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_OtherRealEstateOwnedMember" name="OtherRealEstateOwnedMember" abstract="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_NonRecurringFairValueAdjustmentsOnLoansHeldForSale" name="NonRecurringFairValueAdjustmentsOnLoansHeldForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="fxnc_FairValueOfLoanCommitmentsAndStandbyLettersOfCredit" name="FairValueOfLoanCommitmentsAndStandbyLettersOfCredit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="fxnc_PercentageOfInvestmentPortfolio" name="PercentageOfInvestmentPortfolio" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_WeightedAveragePeriodOfPricingOfPortfolio" name="WeightedAveragePeriodOfPricingOfPortfolio" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_CommercialAndIndustrialLoansMember" name="CommercialAndIndustrialLoansMember" abstract="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_ConsumerAndOtherLoansMember" name="ConsumerAndOtherLoansMember" abstract="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_FinancingReceivablesPastDueAbstract" name="FinancingReceivablesPastDueAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_AllowanceForCreditLossesOnFinancingReceivablesClassificationTableTextBlock" name="AllowanceForCreditLossesOnFinancingReceivablesClassificationTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_OtherRealEstateChargeOff" name="OtherRealEstateChargeOff" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="fxnc_RealEstateOwnedValuationAllowanceChargeOff" name="RealEstateOwnedValuationAllowanceChargeOff" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="fxnc_OtherRealEstateOwnedExpenses" name="OtherRealEstateOwnedExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="fxnc_PercentageOfAssetsForMaximumBorrowing" name="PercentageOfAssetsForMaximumBorrowing" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <element id="fxnc_CollateralPledgedBorrowing" name="CollateralPledgedBorrowing" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="fxnc_PeriodOfServiceCreditByEmployee" name="PeriodOfServiceCreditByEmployee" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrustIssuedThroughPooledUnderwriting" name="JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrustIssuedThroughPooledUnderwriting" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="fxnc_MaximumCapitalRequiredForCapitalAdequacy" name="MaximumCapitalRequiredForCapitalAdequacy" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <element id="fxnc_CorporateEquitySecuritiesMember" name="CorporateEquitySecuritiesMember" abstract="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_ImpairedLoansAssetMember" name="ImpairedLoansAssetMember" abstract="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_OtherBorrowingsFairValueDisclosure" name="OtherBorrowingsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="fxnc_TrustPreferredCapitalNotesFairValueDisclosure" name="TrustPreferredCapitalNotesFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="fxnc_FinancialInstrumentsFinancialAssetsAndLiabilitiesBalanceSheetGroupingsAbstract" name="FinancialInstrumentsFinancialAssetsAndLiabilitiesBalanceSheetGroupingsAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_PeriodOfMaturityAsClassifiesAsShortTermBorrowing" name="PeriodOfMaturityAsClassifiesAsShortTermBorrowing" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_PurchaseAgreementMember" name="PurchaseAgreementMember" abstract="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_PreferredStockDividendRatePercentageForSpecifiedPeriod" name="PreferredStockDividendRatePercentageForSpecifiedPeriod" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_PreferredStockDividendRatePercentageAfterSpecifiedPeriod" name="PreferredStockDividendRatePercentageAfterSpecifiedPeriod" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_InvestmentsInUnrealizedLossPositionTemporarilyImpairedAbstract" name="InvestmentsInUnrealizedLossPositionTemporarilyImpairedAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_SecuritiesTextualAbstract" name="SecuritiesTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_OtherBorrowingsAdditionalTextualAbstract" name="OtherBorrowingsAdditionalTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_DiscountOnPreferredStockAmortizedPeriod" name="DiscountOnPreferredStockAmortizedPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_BenefitPlansTextualAbstract" name="BenefitPlansTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_FirstNationalVaStatutoryTrustTwoMember" name="FirstNationalVaStatutoryTrustTwoMember" abstract="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_FirstNationalVaStatutoryTrustThreeMember" name="FirstNationalVaStatutoryTrustThreeMember" abstract="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_UsAgencyAndMortgageBackedSecuritiesMember" name="UsAgencyAndMortgageBackedSecuritiesMember" abstract="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_NumberOfSecuritiesInUnrealizedLossPosition" name="NumberOfSecuritiesInUnrealizedLossPosition" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_WarrantPreferredStockCumulativeDividendRatePercentage" name="WarrantPreferredStockCumulativeDividendRatePercentage" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_IncreaseInCapitalDueToIssuanceOfPreferredStock" name="IncreaseInCapitalDueToIssuanceOfPreferredStock" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="fxnc_CommercialAndIndustrialMember" name="CommercialAndIndustrialMember" abstract="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_OtherRealEstateMember" name="OtherRealEstateMember" abstract="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_OtherRealEstateLoansMember" name="OtherRealEstateLoansMember" abstract="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_CapitalPurchaseProgramAdditionalTextualAbstract" name="CapitalPurchaseProgramAdditionalTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_ProceedsFromRedemptionOfRestrictedSecurities" name="ProceedsFromRedemptionOfRestrictedSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="fxnc_ImpairmentLossesRelatedToFederalHomeLoanStock" name="ImpairmentLossesRelatedToFederalHomeLoanStock" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="fxnc_FeesAndCommissionsFiduciaryAndTrustActivitiesAndAssetManagementFees" name="FeesAndCommissionsFiduciaryAndTrustActivitiesAndAssetManagementFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="fxnc_CommunityBankersBankStock" name="CommunityBankersBankStock" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="fxnc_NumberObligationOfStateAndPoliticalSubdivisionsInUnrealizedLossPosition" name="NumberObligationOfStateAndPoliticalSubdivisionsInUnrealizedLossPosition" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_ChangesInAllowanceForOreoLossesTableTextBlock" name="ChangesInAllowanceForOreoLossesTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
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  <element id="fxnc_OtherRealEstateFairValueDisclosure" name="OtherRealEstateFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="fxnc_DepreciationOnOtherRealEstate" name="DepreciationOnOtherRealEstate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="fxnc_TrustPreferredCapitalNotesIssueDate" name="TrustPreferredCapitalNotesIssueDate" type="xbrli:dateItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_FinancingReceivableSubsequentDefaultRecordedInvestment" name="FinancingReceivableSubsequentDefaultRecordedInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="fxnc_OtherRealEstateNet" name="OtherRealEstateNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="fxnc_DefinedBenefitPensionPlanMinimumEligibleAgeOfEmployee" name="DefinedBenefitPensionPlanMinimumEligibleAgeOfEmployee" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTaxIncludedInAccumulatedOtherComprehensiveIncomeLoss" name="OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTaxIncludedInAccumulatedOtherComprehensiveIncomeLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="fxnc_OtherComprehensiveIncomeLossReclassificationAdjustmentForSaleOfSecuritiesIncludedInAccumulatedOtherComprehensiveIncomeLoss" name="OtherComprehensiveIncomeLossReclassificationAdjustmentForSaleOfSecuritiesIncludedInAccumulatedOtherComprehensiveIncomeLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="fxnc_MaximumPeriodUsedToDetermineValueOfRealEstateCollateral" name="MaximumPeriodUsedToDetermineValueOfRealEstateCollateral" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_MinimumPeriodOfAppraisalOfPropertyToConsiderDifferentMethodToMeasureFairValue" name="MinimumPeriodOfAppraisalOfPropertyToConsiderDifferentMethodToMeasureFairValue" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_MaximumPeriodUsedToDetermineValueOfBusinessEquipment" name="MaximumPeriodUsedToDetermineValueOfBusinessEquipment" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_StockIssuedDuringPeriodSharesRightsExercised" name="StockIssuedDuringPeriodSharesRightsExercised" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_NumberOfRightsToPurchaseCommonStockExercisedDuringPeriod" name="NumberOfRightsToPurchaseCommonStockExercisedDuringPeriod" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_NumberOfAdditionalRightsToPurchaseCommonStockExercisedDuringPeriod" name="NumberOfAdditionalRightsToPurchaseCommonStockExercisedDuringPeriod" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_ProceedsFromSaleOfCommonStockInRightsOffering" name="ProceedsFromSaleOfCommonStockInRightsOffering" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
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  <element id="fxnc_RealEstateOwnedValuationAllowanceAdditions" name="RealEstateOwnedValuationAllowanceAdditions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="fxnc_FairValueInputsWeightedAverageDiscountForLackOfMarketabilityAndAgeOfAppraisal" name="FairValueInputsWeightedAverageDiscountForLackOfMarketabilityAndAgeOfAppraisal" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="fxnc_FinancingReceivableLoansAndLeasesReceivableAbstract" name="FinancingReceivableLoansAndLeasesReceivableAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
</schema>
