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  <xsd:element id="atlo_DividendsDisclosureTextBlock" name="DividendsDisclosureTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_DocumentAndEntityInformation" name="DocumentAndEntityInformation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="atlo_FHLBAndFRBStockFairValue" name="FHLBAndFRBStockFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="atlo_FamilyResidentialRealEstate14Member" name="FamilyResidentialRealEstate14Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="atlo_FederalHomeLoanBankAdvanceAndOtherBorrowings" name="FederalHomeLoanBankAdvanceAndOtherBorrowings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="atlo_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment1" name="FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment1" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="atlo_FinancingReceivableAmortizedCostByYearOfOriginationTableTextBlock" name="FinancingReceivableAmortizedCostByYearOfOriginationTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="atlo_FinancingReceivableAmortizedCostTableTextBlock" name="FinancingReceivableAmortizedCostTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="atlo_FinancingReceivableModifiedNumberOfContracts" name="FinancingReceivableModifiedNumberOfContracts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration"/>
  <xsd:element id="atlo_FinancingReceivableModifiedSubsequentDefaultNumberOfContracts" name="FinancingReceivableModifiedSubsequentDefaultNumberOfContracts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration"/>
  <xsd:element id="atlo_FinancingReceivableModifiedWithTermExtensionTableTextBlock" name="FinancingReceivableModifiedWithTermExtensionTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_FinancingReceivables30To89DaysPastDueMember" name="FinancingReceivables30To89DaysPastDueMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="atlo_FinancingReceivablesAllowanceForCreditLossesIndividuallyEvaluatedForImpairment" name="FinancingReceivablesAllowanceForCreditLossesIndividuallyEvaluatedForImpairment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="atlo_FirstNationalBankMember" name="FirstNationalBankMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_ForegoneInterestOnRealEstateLoanMember" name="ForegoneInterestOnRealEstateLoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_ImpairedLoanMember" name="ImpairedLoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="atlo_InterestBearingDepositsFairValueDisclosure" name="InterestBearingDepositsFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="atlo_InterestPayableFairValueDisclosure" name="InterestPayableFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="atlo_InterestReceivableFairValueDisclosure" name="InterestReceivableFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="atlo_InterestbearingTimeDepositsAssets" name="InterestbearingTimeDepositsAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="atlo_IowaStateSavingsBankMember" name="IowaStateSavingsBankMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="atlo_LoanAndLeaseReceivableConsumerAndResidential" name="LoanAndLeaseReceivableConsumerAndResidential" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="atlo_LoansAndLeasesReceivableCommitmentsTextBlock" name="LoansAndLeasesReceivableCommitmentsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="atlo_NetIncreaseDecreaseInInterestBearingDepositsInFinancialInstitutions" name="NetIncreaseDecreaseInInterestBearingDepositsInFinancialInstitutions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="atlo_NetIncreaseDecreaseInLoans" name="NetIncreaseDecreaseInLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_NoteToFinancialStatementDetailsTextual" name="NoteToFinancialStatementDetailsTextual" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_NotesToFinancialStatements" name="NotesToFinancialStatements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_NotesToFinancialStatementsAbstract" name="NotesToFinancialStatementsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="atlo_NumberOfRestructuredLoansGrantingConcessions" name="NumberOfRestructuredLoansGrantingConcessions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_OBSCreditExposuresMember" name="OBSCreditExposuresMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="atlo_OtherIncomeTaxEffectFromTaxReform" name="OtherIncomeTaxEffectFromTaxReform" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_OtherMember" name="OtherMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_PromissoryNoteMember" name="PromissoryNoteMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="atlo_ProvisionForOffBalanceSheetCommitments" name="ProvisionForOffBalanceSheetCommitments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_RelianceStateBankMember" name="RelianceStateBankMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="atlo_SavingsAndMoneyMarket" name="SavingsAndMoneyMarket" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="atlo_ScheduleOfCompositionOfLoansReceivableTableTextBlock" name="ScheduleOfCompositionOfLoansReceivableTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_StateBankAndTrustMember" name="StateBankAndTrustMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_SubstandardImpairedMember" name="SubstandardImpairedMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="atlo_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssetsWithBuffer" name="TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssetsWithBuffer" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="atlo_TierOneRiskBasedCapitalRequiredForCapitalAdequacyWithBuffer" name="TierOneRiskBasedCapitalRequiredForCapitalAdequacyWithBuffer" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="atlo_TimeDepositsLessThanFdicInsuranceLimit" name="TimeDepositsLessThanFdicInsuranceLimit" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="atlo_UnitedBankAndTrustMember" name="UnitedBankAndTrustMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_WatchMember" name="WatchMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-1-significant-accounting-policies-impact-of-asc-326-details" name="statement-statement-note-1-significant-accounting-policies-impact-of-asc-326-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-1-significant-accounting-policies-tables" name="statement-statement-note-1-significant-accounting-policies-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-11-derivative-financial-instruments-fair-value-hedges-details" name="statement-statement-note-11-derivative-financial-instruments-fair-value-hedges-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-11-derivative-financial-instruments-tables" name="statement-statement-note-11-derivative-financial-instruments-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-14-regulatory-matters-actual-capital-amounts-and-ratios-details" name="statement-statement-note-14-regulatory-matters-actual-capital-amounts-and-ratios-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-14-regulatory-matters-tables" name="statement-statement-note-14-regulatory-matters-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-5-fair-value-measurements-assets-measured-at-fair-value-on-a-nonrecurring-basis-details" name="statement-statement-note-5-fair-value-measurements-assets-measured-at-fair-value-on-a-nonrecurring-basis-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-5-fair-value-measurements-assets-measured-at-fair-value-on-a-recurring-basis-details" name="statement-statement-note-5-fair-value-measurements-assets-measured-at-fair-value-on-a-recurring-basis-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-5-fair-value-measurements-estimated-fair-values-of-financial-instruments-details" name="statement-statement-note-5-fair-value-measurements-estimated-fair-values-of-financial-instruments-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-5-fair-value-measurements-fair-value-quantitative-information-details" name="statement-statement-note-5-fair-value-measurements-fair-value-quantitative-information-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-5-fair-value-measurements-tables" name="statement-statement-note-5-fair-value-measurements-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-6-debt-securities-debt-securities-availableforsale-details" name="statement-statement-note-6-debt-securities-debt-securities-availableforsale-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-6-debt-securities-proceeds-gains-and-losses-from-securities-availableforsale-details" name="statement-statement-note-6-debt-securities-proceeds-gains-and-losses-from-securities-availableforsale-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-6-debt-securities-securities-availableforsale-continuous-unrealized-loss-position-details" name="statement-statement-note-6-debt-securities-securities-availableforsale-continuous-unrealized-loss-position-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-6-debt-securities-securities-availableforsale-details" name="statement-statement-note-6-debt-securities-securities-availableforsale-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-6-debt-securities-tables" name="statement-statement-note-6-debt-securities-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-7-loans-receivable-and-credit-disclosures-activity-in-allowance-for-loan-losses-details" name="statement-statement-note-7-loans-receivable-and-credit-disclosures-activity-in-allowance-for-loan-losses-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-7-loans-receivable-and-credit-disclosures-allowance-for-loan-losses-impairment-analysis-details" name="statement-statement-note-7-loans-receivable-and-credit-disclosures-allowance-for-loan-losses-impairment-analysis-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-7-loans-receivable-and-credit-disclosures-amortized-cost-basis-of-collateral-dependent-loans-details" name="statement-statement-note-7-loans-receivable-and-credit-disclosures-amortized-cost-basis-of-collateral-dependent-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-7-loans-receivable-and-credit-disclosures-amortized-cost-basis-of-term-loans-by-year-of-origination-details" name="statement-statement-note-7-loans-receivable-and-credit-disclosures-amortized-cost-basis-of-term-loans-by-year-of-origination-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-7-loans-receivable-and-credit-disclosures-average-recorded-investment-and-interest-income-recognized-on-impaired-loans-details" name="statement-statement-note-7-loans-receivable-and-credit-disclosures-average-recorded-investment-and-interest-income-recognized-on-impaired-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-7-loans-receivable-and-credit-disclosures-composition-of-loans-receivable-details" name="statement-statement-note-7-loans-receivable-and-credit-disclosures-composition-of-loans-receivable-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-7-loans-receivable-and-credit-disclosures-credit-risk-profile-based-on-payment-activity-details" name="statement-statement-note-7-loans-receivable-and-credit-disclosures-credit-risk-profile-based-on-payment-activity-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-7-loans-receivable-and-credit-disclosures-credit-risk-profile-by-internally-assigned-grade-details" name="statement-statement-note-7-loans-receivable-and-credit-disclosures-credit-risk-profile-by-internally-assigned-grade-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-7-loans-receivable-and-credit-disclosures-impaired-loans-details" name="statement-statement-note-7-loans-receivable-and-credit-disclosures-impaired-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-7-loans-receivable-and-credit-disclosures-loans-receivable-impairment-analysis-details" name="statement-statement-note-7-loans-receivable-and-credit-disclosures-loans-receivable-impairment-analysis-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-7-loans-receivable-and-credit-disclosures-modified-financing-receivable-with-term-extension-details" name="statement-statement-note-7-loans-receivable-and-credit-disclosures-modified-financing-receivable-with-term-extension-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-7-loans-receivable-and-credit-disclosures-past-due-loans-details" name="statement-statement-note-7-loans-receivable-and-credit-disclosures-past-due-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-7-loans-receivable-and-credit-disclosures-tables" name="statement-statement-note-7-loans-receivable-and-credit-disclosures-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-8-intangible-assets-estimated-remaining-amortization-expense-details" name="statement-statement-note-8-intangible-assets-estimated-remaining-amortization-expense-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-8-intangible-assets-intangible-assets-activity-details" name="statement-statement-note-8-intangible-assets-intangible-assets-activity-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-8-intangible-assets-intangible-assets-details" name="statement-statement-note-8-intangible-assets-intangible-assets-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-8-intangible-assets-tables" name="statement-statement-note-8-intangible-assets-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-9-pledged-collateral-related-to-securities-sold-under-repurchase-agreements-pledged-collateral-at-estimated-fair-value-details" name="statement-statement-note-9-pledged-collateral-related-to-securities-sold-under-repurchase-agreements-pledged-collateral-at-estimated-fair-value-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-note-9-pledged-collateral-related-to-securities-sold-under-repurchase-agreements-tables" name="statement-statement-note-9-pledged-collateral-related-to-securities-sold-under-repurchase-agreements-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlo_statement-statement-significant-accounting-policies-policies" name="statement-statement-significant-accounting-policies-policies" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
</xsd:schema>
