<?xml version="1.0" encoding="US-ASCII"?><!--Generated by ThunderDome XBRL - 10:26PM UTC 2016-08-09--><xsd:schema xmlns:country="http://xbrl.sec.gov/country/2013-01-31" xmlns:currency="http://xbrl.sec.gov/currency/2014-01-31" xmlns:dei="http://xbrl.sec.gov/dei/2014-01-31" xmlns:exch="http://xbrl.sec.gov/exch/2016-01-31" xmlns:fcap="http://www.firstharrison.com/20160630" xmlns:invest="http://xbrl.sec.gov/invest/2013-01-31" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:naics="http://xbrl.sec.gov/naics/2011-01-31" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:sic="http://xbrl.sec.gov/sic/2011-01-31" xmlns:stpr="http://xbrl.sec.gov/stpr/2011-01-31" xmlns:us-gaap="http://fasb.org/us-gaap/2016-01-31" xmlns:us-roles="http://fasb.org/us-roles/2016-01-31" xmlns:us-types="http://fasb.org/us-types/2016-01-31" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsd="http://www.w3.org/2001/XMLSchema" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.firstharrison.com/20160630">
  <xsd:import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd"/>
  <xsd:import namespace="http://fasb.org/us-types/2016-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2016/elts/us-types-2016-01-31.xsd"/>
  <xsd:import namespace="http://xbrl.sec.gov/exch/2016-01-31" schemaLocation="http://xbrl.sec.gov/exch/2016/exch-2016-01-31.xsd"/>
  <xsd:import namespace="http://xbrl.sec.gov/currency/2014-01-31" schemaLocation="http://xbrl.sec.gov/currency/2014/currency-2014-01-31.xsd"/>
  <xsd:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd"/>
  <xsd:import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd"/>
  <xsd:import namespace="http://xbrl.sec.gov/country/2013-01-31" schemaLocation="http://xbrl.sec.gov/country/2013/country-2013-01-31.xsd"/>
  <xsd:import namespace="http://xbrl.sec.gov/sic/2011-01-31" schemaLocation="http://xbrl.sec.gov/sic/2011/sic-2011-01-31.xsd"/>
  <xsd:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xsd:import namespace="http://fasb.org/us-roles/2016-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2016/elts/us-roles-2016-01-31.xsd"/>
  <xsd:import namespace="http://xbrl.sec.gov/invest/2013-01-31" schemaLocation="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd"/>
  <xsd:import namespace="http://xbrl.sec.gov/dei/2014-01-31" schemaLocation="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd"/>
  <xsd:import namespace="http://xbrl.sec.gov/stpr/2011-01-31" schemaLocation="http://xbrl.sec.gov/stpr/2011/stpr-2011-01-31.xsd"/>
  <xsd:import namespace="http://xbrl.sec.gov/naics/2011-01-31" schemaLocation="http://xbrl.sec.gov/naics/2011/naics-2011-01-31.xsd"/>
  <xsd:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <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"/>
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="fcap-20160630_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="fcap-20160630_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="fcap-20160630_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="fcap-20160630_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="statement-document-and-entity-information" roleURI="http://www.firstharrison.com/20160630/role/statement-document-and-entity-information">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">000 - Document - Document And Entity Information</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-consolidated-balance-sheets-unaudited" roleURI="http://www.firstharrison.com/20160630/role/statement-consolidated-balance-sheets-unaudited">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">001 - Statement - Consolidated Balance Sheets (Unaudited)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-consolidated-balance-sheets-unaudited-parentheticals" roleURI="http://www.firstharrison.com/20160630/role/statement-consolidated-balance-sheets-unaudited-parentheticals">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">002 - Statement - Consolidated Balance Sheets (Unaudited) (Parentheticals)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-consolidated-statements-of-income-unaudited" roleURI="http://www.firstharrison.com/20160630/role/statement-consolidated-statements-of-income-unaudited">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">003 - Statement - Consolidated Statements of Income (Unaudited)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-consolidated-statements-of-comprehensive-income-unaudited" roleURI="http://www.firstharrison.com/20160630/role/statement-consolidated-statements-of-comprehensive-income-unaudited">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">004 - Statement - Consolidated Statements of Comprehensive Income (Unaudited)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-consolidated-statements-of-changes-in-stockholders-equity-unaudited" roleURI="http://www.firstharrison.com/20160630/role/statement-consolidated-statements-of-changes-in-stockholders-equity-unaudited">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">005 - Statement - Consolidated Statements of Changes in Stockholders' Equity (Unaudited)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-consolidated-statements-of-cash-flows-unaudited" roleURI="http://www.firstharrison.com/20160630/role/statement-consolidated-statements-of-cash-flows-unaudited">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">006 - Statement - Consolidated Statements of Cash Flows (Unaudited)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-1-presentation-of-interim-information" roleURI="http://www.firstharrison.com/20160630/role/statement-note-1-presentation-of-interim-information">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">007 - Disclosure - Note 1 - Presentation of Interim Information</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-2-acquisition-of-peoples-bancorp-inc-of-bullitt-county" roleURI="http://www.firstharrison.com/20160630/role/statement-note-2-acquisition-of-peoples-bancorp-inc-of-bullitt-county">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">008 - Disclosure - Note 2 - Acquisition of Peoples Bancorp, Inc. of Bullitt County</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-3-investment-securities" roleURI="http://www.firstharrison.com/20160630/role/statement-note-3-investment-securities">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">009 - Disclosure - Note 3 - Investment Securities</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-4-loans-and-allowance-for-loan-losses" roleURI="http://www.firstharrison.com/20160630/role/statement-note-4-loans-and-allowance-for-loan-losses">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">010 - Disclosure - Note 4 - Loans and Allowance for Loan Losses</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-5-supplemental-disclosure-for-earnings-per-share" roleURI="http://www.firstharrison.com/20160630/role/statement-note-5-supplemental-disclosure-for-earnings-per-share">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">011 - Disclosure - Note 5 - Supplemental Disclosure for Earnings Per Share</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-6-stock-option-plan" roleURI="http://www.firstharrison.com/20160630/role/statement-note-6-stock-option-plan">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">012 - Disclosure - Note 6 - Stock Option Plan</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-7-supplemental-disclosures-of-cash-flow-information" roleURI="http://www.firstharrison.com/20160630/role/statement-note-7-supplemental-disclosures-of-cash-flow-information">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">013 - Disclosure - Note 7 - Supplemental Disclosures of Cash Flow Information</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-8-fair-value-measurements" roleURI="http://www.firstharrison.com/20160630/role/statement-note-8-fair-value-measurements">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">014 - Disclosure - Note 8 - Fair Value Measurements</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-9-recent-accounting-pronouncements" roleURI="http://www.firstharrison.com/20160630/role/statement-note-9-recent-accounting-pronouncements">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">015 - Document - Note 9 - Recent Accounting Pronouncements</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-3-investment-securities-tables" roleURI="http://www.firstharrison.com/20160630/role/statement-note-3-investment-securities-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">016 - Disclosure - Note 3 - Investment Securities (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-4-loans-and-allowance-for-loan-losses-tables" roleURI="http://www.firstharrison.com/20160630/role/statement-note-4-loans-and-allowance-for-loan-losses-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">017 - Disclosure - Note 4 - Loans and Allowance for Loan Losses (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-5-supplemental-disclosure-for-earnings-per-share-tables" roleURI="http://www.firstharrison.com/20160630/role/statement-note-5-supplemental-disclosure-for-earnings-per-share-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">018 - Disclosure - Note 5 - Supplemental Disclosure for Earnings Per Share (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-6-stock-option-plan-tables" roleURI="http://www.firstharrison.com/20160630/role/statement-note-6-stock-option-plan-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">019 - Disclosure - Note 6 - Stock Option Plan (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-7-supplemental-disclosures-of-cash-flow-information-tables" roleURI="http://www.firstharrison.com/20160630/role/statement-note-7-supplemental-disclosures-of-cash-flow-information-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">020 - Disclosure - Note 7 - Supplemental Disclosures of Cash Flow Information (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-8-fair-value-measurements-tables" roleURI="http://www.firstharrison.com/20160630/role/statement-note-8-fair-value-measurements-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">021 - Disclosure - Note 8 - Fair Value Measurements (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-1-presentation-of-interim-information-details-textual" roleURI="http://www.firstharrison.com/20160630/role/statement-note-1-presentation-of-interim-information-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">022 - Disclosure - Note 1 - Presentation of Interim Information (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-2-acquisition-of-peoples-bancorp-inc-of-bullitt-county-details-textual" roleURI="http://www.firstharrison.com/20160630/role/statement-note-2-acquisition-of-peoples-bancorp-inc-of-bullitt-county-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">023 - Disclosure - Note 2 - Acquisition of Peoples Bancorp, Inc. of Bullitt County (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-3-investment-securities-details-textual" roleURI="http://www.firstharrison.com/20160630/role/statement-note-3-investment-securities-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">024 - Disclosure - Note 3 - Investment Securities (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-3-investment-securities-details" roleURI="http://www.firstharrison.com/20160630/role/statement-note-3-investment-securities-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">025 - Disclosure - Note 3 - Investment Securities (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-3-amortized-cost-and-fair-value-of-debt-securities-by-contractual-maturity-details" roleURI="http://www.firstharrison.com/20160630/role/statement-note-3-amortized-cost-and-fair-value-of-debt-securities-by-contractual-maturity-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">026 - Disclosure - Note 3 - Amortized Cost and Fair Value of Debt Securities by Contractual Maturity (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-3-investment-securities-available-for-sale-details" roleURI="http://www.firstharrison.com/20160630/role/statement-note-3-investment-securities-available-for-sale-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">027 - Disclosure - Note 3 - Investment Securities Available for Sale (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-4-loans-and-allowance-for-loan-losses-details-textual" roleURI="http://www.firstharrison.com/20160630/role/statement-note-4-loans-and-allowance-for-loan-losses-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">028 - Disclosure - Note 4 - Loans and Allowance for Loan Losses (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-4-loans-details" roleURI="http://www.firstharrison.com/20160630/role/statement-note-4-loans-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">029 - Disclosure - Note 4 - Loans (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-4-recorded-investments-in-loans-details" roleURI="http://www.firstharrison.com/20160630/role/statement-note-4-recorded-investments-in-loans-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">030 - Disclosure - Note 4 - Recorded Investments in Loans (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-4-allowance-for-loan-losses-details" roleURI="http://www.firstharrison.com/20160630/role/statement-note-4-allowance-for-loan-losses-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">031 - Disclosure - Note 4 - Allowance for Loan Losses (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-4-impaired-loans-details" roleURI="http://www.firstharrison.com/20160630/role/statement-note-4-impaired-loans-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">032 - Disclosure - Note 4 - Impaired Loans (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-4-recorded-investment-in-nonperforming-loans-details" roleURI="http://www.firstharrison.com/20160630/role/statement-note-4-recorded-investment-in-nonperforming-loans-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">033 - Disclosure - Note 4 - Recorded Investment in Nonperforming Loans (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-4-aging-of-recorded-investment-in-loans-details" roleURI="http://www.firstharrison.com/20160630/role/statement-note-4-aging-of-recorded-investment-in-loans-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">034 - Disclosure - Note 4 - Aging of Recorded Investment in Loans (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-4-recorded-investment-in-loans-by-risk-category-details" roleURI="http://www.firstharrison.com/20160630/role/statement-note-4-recorded-investment-in-loans-by-risk-category-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">035 - Disclosure - Note 4 - Recorded Investment in Loans by Risk Category (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-4-troubled-debt-restructuring-by-accrual-status-details" roleURI="http://www.firstharrison.com/20160630/role/statement-note-4-troubled-debt-restructuring-by-accrual-status-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">036 - Disclosure - Note 4 - Troubled Debt Restructuring by Accrual Status (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-4-summary-of-pci-loans-details" roleURI="http://www.firstharrison.com/20160630/role/statement-note-4-summary-of-pci-loans-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">037 - Disclosure - Note 4 - Summary of PCI Loans (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-4-accretable-yield-or-income-expected-to-be-collected-details" roleURI="http://www.firstharrison.com/20160630/role/statement-note-4-accretable-yield-or-income-expected-to-be-collected-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">038 - Disclosure - Note 4 - Accretable Yield, or Income Expected to be Collected (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-5-earnings-per-share-details" roleURI="http://www.firstharrison.com/20160630/role/statement-note-5-earnings-per-share-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">039 - Disclosure - Note 5 - Earnings Per Share (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-6-stock-option-plan-details-textual" roleURI="http://www.firstharrison.com/20160630/role/statement-note-6-stock-option-plan-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">040 - Disclosure - Note 6 - Stock Option Plan (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-6-nonvested-restricted-shares-activity-details" roleURI="http://www.firstharrison.com/20160630/role/statement-note-6-nonvested-restricted-shares-activity-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">041 - Disclosure - Note 6 - Nonvested Restricted Shares Activity (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-7-supplemental-disclosures-of-cash-flow-information-details" roleURI="http://www.firstharrison.com/20160630/role/statement-note-7-supplemental-disclosures-of-cash-flow-information-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">042 - Disclosure - Note 7 - Supplemental Disclosures of Cash Flow Information (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-8-fair-value-measurements-details-textual" roleURI="http://www.firstharrison.com/20160630/role/statement-note-8-fair-value-measurements-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">043 - Disclosure - Note 8 - Fair Value Measurements (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-8-assets-measured-at-fair-value-on-recurring-and-nonrecurring-basis-details" roleURI="http://www.firstharrison.com/20160630/role/statement-note-8-assets-measured-at-fair-value-on-recurring-and-nonrecurring-basis-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">044 - Disclosure - Note 8 - Assets Measured at Fair Value on Recurring and Nonrecurring Basis (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-8-carrying-value-and-estimated-fair-value-of-financial-instruments-details" roleURI="http://www.firstharrison.com/20160630/role/statement-note-8-carrying-value-and-estimated-fair-value-of-financial-instruments-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">045 - Disclosure - Note 8 - Carrying Value and Estimated Fair Value of Financial Instruments (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <xsd:element id="fcap_AccruedInterestReceivableFairValueDisclosure" name="AccruedInterestReceivableFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="fcap_AgencyCollateralizedMortgageObligationsMember" name="AgencyCollateralizedMortgageObligationsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fcap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments" name="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="fcap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsAggregateLossesAccumulatedInInvestments" name="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsAggregateLossesAccumulatedInInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="fcap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerAggregateLossesAccumulatedInInvestments" name="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerAggregateLossesAccumulatedInInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="fcap_AvailableforsaleSecuritiesInUnrealizedLossPositionsDepreciationFromAmortizedCostPercentage" name="AvailableforsaleSecuritiesInUnrealizedLossPositionsDepreciationFromAmortizedCostPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="fcap_BusinessCombinationContingentConsiderationPercentOfExcessSalesProceeds" name="BusinessCombinationContingentConsiderationPercentOfExcessSalesProceeds" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration"/>
  <xsd:element id="fcap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleTableTextBlock" name="CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="fcap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountBeforeAllowance" name="CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountBeforeAllowance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="fcap_ClassifiedLoansMember" name="ClassifiedLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fcap_CollateralDependentLoansValueOfSignificantProperties" name="CollateralDependentLoansValueOfSignificantProperties" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="fcap_CommercialBusinessSegmentMember" name="CommercialBusinessSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_CommercialRealEstateConstructionMember" name="CommercialRealEstateConstructionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_CommercialRealEstateLoanMember" name="CommercialRealEstateLoanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_CommercialRealEstateSegmentMember" name="CommercialRealEstateSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fcap_ContractToSellContingentAssetsTimeFrame" name="ContractToSellContingentAssetsTimeFrame" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
  <xsd:element id="fcap_CostMethodInvestmentNumberOfSharesAcquired" name="CostMethodInvestmentNumberOfSharesAcquired" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_DocumentAndEntityInformation" name="DocumentAndEntityInformation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_EquityIncentivePlan2009Member" name="EquityIncentivePlan2009Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fcap_FairValueInputsEstimatedSellingCosts" name="FairValueInputsEstimatedSellingCosts" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration"/>
  <xsd:element id="fcap_FederalFundsSoldAndInterestBearingDepositsWithBanks" name="FederalFundsSoldAndInterestBearingDepositsWithBanks" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="fcap_FinancingReceivableAllowanceForCreditLossesLossFactor" name="FinancingReceivableAllowanceForCreditLossesLossFactor" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="fcap_FinancingReceivableAllowanceForCreditLossesLossFactorIncrease" name="FinancingReceivableAllowanceForCreditLossesLossFactorIncrease" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration"/>
  <xsd:element id="fcap_FinancingReceivableAllowanceForCreditLossesRiskFactor" name="FinancingReceivableAllowanceForCreditLossesRiskFactor" nillable="true" substitutionGroup="xbrli:item" type="xbrli:pureItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="fcap_FirstHarrisonREITIncMember" name="FirstHarrisonREITIncMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_ForeclosedRealEstateMember" name="ForeclosedRealEstateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fcap_GainOnLifeInsurance" name="GainOnLifeInsurance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_HomeEquityAndSecondMortgageMember" name="HomeEquityAndSecondMortgageMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fcap_ImpairedFinancingReceivableWithNoRelatedAllowanceRelatedAllowance" name="ImpairedFinancingReceivableWithNoRelatedAllowanceRelatedAllowance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="fcap_ImpairedLoanMember" name="ImpairedLoanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fcap_ImpairedLoansFairValueDisclosure" name="ImpairedLoansFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="fcap_InterestBearingTimeDeposits" name="InterestBearingTimeDeposits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="fcap_InterestPayableFairValueDisclosure" name="InterestPayableFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="fcap_InterestbearingTimeDepositsFairValue" name="InterestbearingTimeDepositsFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="fcap_LandLoanMember" name="LandLoanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_LandSegmentMember" name="LandSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fcap_LoansAndLeasesReceivableAccruedInterest" name="LoansAndLeasesReceivableAccruedInterest" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="fcap_LoansAndLeasesReceivablePrincipalBalance" name="LoansAndLeasesReceivablePrincipalBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="fcap_LoansChargeOffPeriod" name="LoansChargeOffPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_LoansSecuredBySavingAccountsMember" name="LoansSecuredBySavingAccountsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fcap_MaximumFairValueOfFirstExercisableStockIncentiveOptions" name="MaximumFairValueOfFirstExercisableStockIncentiveOptions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="fcap_MutualFundsMember" name="MutualFundsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_NoteToFinancialStatementDetailsTextual" name="NoteToFinancialStatementDetailsTextual" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_NotesToFinancialStatements" name="NotesToFinancialStatements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_NotesToFinancialStatementsAbstract" name="NotesToFinancialStatementsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="fcap_NumberOfLoans" name="NumberOfLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="fcap_OfficersDirectorsAndKeyEmployeesMember" name="OfficersDirectorsAndKeyEmployeesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_OtherConsumerLoanMember" name="OtherConsumerLoanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_OtherConsumerSegmentMember" name="OtherConsumerSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_OtherThanConsumerPortfolioSegmentMember" name="OtherThanConsumerPortfolioSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_OverallQualitativeFactorMember" name="OverallQualitativeFactorMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_PeoplesBancorpIncMember" name="PeoplesBancorpIncMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fcap_PercentageOfOutstandingSharesOfVotingCommonStock" name="PercentageOfOutstandingSharesOfVotingCommonStock" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="fcap_PerformancePeriod" name="PerformancePeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
  <xsd:element id="fcap_PurchasedCreditImpairedLoans" name="PurchasedCreditImpairedLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="fcap_PurchasedCreditImpairedLoansMember" name="PurchasedCreditImpairedLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_QualitativeFactorPastDueLoansMember" name="QualitativeFactorPastDueLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fcap_RealEstateAcquiredThroughForeclosureFairValueDisclosure" name="RealEstateAcquiredThroughForeclosureFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="fcap_RealEstateMortgagePortfolioSegmentMember" name="RealEstateMortgagePortfolioSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_ResidentialLoanMember" name="ResidentialLoanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_ResidentialMortgageSegmentMember" name="ResidentialMortgageSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fcap_SaleOfContingentAssetsTimeFrame" name="SaleOfContingentAssetsTimeFrame" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
  <xsd:element id="fcap_ScheduleOfPurchasedCreditImpairedLoansTableTextBlock" name="ScheduleOfPurchasedCreditImpairedLoansTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="fcap_TroubledDebtRestructuringPrincipalChargeOffs" name="TroubledDebtRestructuringPrincipalChargeOffs" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="fcap_TroubledDebtRestructuringSpecificAllowance" name="TroubledDebtRestructuringSpecificAllowance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_UnrealizedGainsLossesOnSecuritiesAvailableForSaleAbstract" name="UnrealizedGainsLossesOnSecuritiesAvailableForSaleAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_UnsecuredLoanMember" name="UnsecuredLoanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_VestingEachYearOnJuly1Member" name="VestingEachYearOnJuly1Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_statement-statement-note-3-amortized-cost-and-fair-value-of-debt-securities-by-contractual-maturity-details" name="statement-statement-note-3-amortized-cost-and-fair-value-of-debt-securities-by-contractual-maturity-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_statement-statement-note-3-investment-securities-available-for-sale-details" name="statement-statement-note-3-investment-securities-available-for-sale-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_statement-statement-note-3-investment-securities-details" name="statement-statement-note-3-investment-securities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_statement-statement-note-3-investment-securities-tables" name="statement-statement-note-3-investment-securities-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_statement-statement-note-4-accretable-yield-or-income-expected-to-be-collected-details" name="statement-statement-note-4-accretable-yield-or-income-expected-to-be-collected-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_statement-statement-note-4-aging-of-recorded-investment-in-loans-details" name="statement-statement-note-4-aging-of-recorded-investment-in-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_statement-statement-note-4-allowance-for-loan-losses-details" name="statement-statement-note-4-allowance-for-loan-losses-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_statement-statement-note-4-impaired-loans-details" name="statement-statement-note-4-impaired-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_statement-statement-note-4-loans-and-allowance-for-loan-losses-tables" name="statement-statement-note-4-loans-and-allowance-for-loan-losses-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_statement-statement-note-4-loans-details" name="statement-statement-note-4-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_statement-statement-note-4-recorded-investment-in-loans-by-risk-category-details" name="statement-statement-note-4-recorded-investment-in-loans-by-risk-category-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_statement-statement-note-4-recorded-investment-in-nonperforming-loans-details" name="statement-statement-note-4-recorded-investment-in-nonperforming-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_statement-statement-note-4-recorded-investments-in-loans-details" name="statement-statement-note-4-recorded-investments-in-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_statement-statement-note-4-summary-of-pci-loans-details" name="statement-statement-note-4-summary-of-pci-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_statement-statement-note-4-troubled-debt-restructuring-by-accrual-status-details" name="statement-statement-note-4-troubled-debt-restructuring-by-accrual-status-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_statement-statement-note-5-earnings-per-share-details" name="statement-statement-note-5-earnings-per-share-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_statement-statement-note-5-supplemental-disclosure-for-earnings-per-share-tables" name="statement-statement-note-5-supplemental-disclosure-for-earnings-per-share-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_statement-statement-note-6-nonvested-restricted-shares-activity-details" name="statement-statement-note-6-nonvested-restricted-shares-activity-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_statement-statement-note-6-stock-option-plan-tables" name="statement-statement-note-6-stock-option-plan-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_statement-statement-note-7-supplemental-disclosures-of-cash-flow-information-details" name="statement-statement-note-7-supplemental-disclosures-of-cash-flow-information-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_statement-statement-note-7-supplemental-disclosures-of-cash-flow-information-tables" name="statement-statement-note-7-supplemental-disclosures-of-cash-flow-information-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_statement-statement-note-8-assets-measured-at-fair-value-on-recurring-and-nonrecurring-basis-details" name="statement-statement-note-8-assets-measured-at-fair-value-on-recurring-and-nonrecurring-basis-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_statement-statement-note-8-carrying-value-and-estimated-fair-value-of-financial-instruments-details" name="statement-statement-note-8-carrying-value-and-estimated-fair-value-of-financial-instruments-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fcap_statement-statement-note-8-fair-value-measurements-tables" name="statement-statement-note-8-fair-value-measurements-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
</xsd:schema>
