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<link:definition>007 - Statement - CONSOLIDATED STATEMENTS OF EQUITY</link:definition>
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<link:definition>008 - Statement - CONSOLIDATED STATEMENTS OF EQUITY (Parentheticals)</link:definition>
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<link:definition>009 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
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<link:definition>010 - Disclosure - BASIS OF PRESENTATION</link:definition>
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<link:definition>011 - Disclosure - PRINCIPLES OF CONSOLIDATION</link:definition>
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<link:definition>012 - Disclosure - BUSINESS COMBINATIONS</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
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<link:definition>013 - Disclosure - STOCK PLANS AND STOCK-BASED COMPENSATION</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
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<link:definition>014 - Disclosure - EARNINGS PER SHARE</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
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<link:definition>015 - Disclosure - INVESTMENT SECURITIES</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
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<link:definition>016 - Disclosure - LOANS RECEIVABLE</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
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<link:definition>017 - Disclosure - ALLOWANCE FOR LOAN LOSSES</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
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<link:definition>018 - Disclosure - GOODWILL</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
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<link:definition>019 - Disclosure - JUNIOR SUBORDINATED DEBENTURES</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
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<link:definition>020 - Disclosure - FAIR VALUE MEASUREMENTS</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
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<link:definition>021 - Disclosure - NEW ACCOUNTING PRONOUNCEMENTS</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
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<link:definition>022 - Disclosure - REVENUE FROM CONTRACTS WITH CUSTOMERS</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
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<link:definition>023 - Disclosure - COMMITMENTS AND CONTINGENCIES</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
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<link:definition>024 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
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<link:definition>025 - Disclosure - BASIS OF PRESENTATION (Policies)</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
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<link:roleType roleURI="http://www.riverviewbank.com/role/BUSINESSCOMBINATIONSTables" id="BUSINESSCOMBINATIONSTables">
<link:definition>026 - Disclosure - BUSINESS COMBINATIONS (Tables)</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
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<link:roleType roleURI="http://www.riverviewbank.com/role/StockPlansAndStockBasedCompensationTables" id="StockPlansAndStockBasedCompensationTables">
<link:definition>027 - Disclosure - STOCK PLANS AND STOCK-BASED COMPENSATION (Tables)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
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<link:roleType roleURI="http://www.riverviewbank.com/role/EARNINGSPERSHARETables" id="EARNINGSPERSHARETables">
<link:definition>028 - Disclosure - EARNINGS PER SHARE (Tables)</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
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<link:definition>029 - Disclosure - INVESTMENT SECURITIES (Tables)</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
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<link:roleType roleURI="http://www.riverviewbank.com/role/LOANSRECEIVABLETables" id="LOANSRECEIVABLETables">
<link:definition>030 - Disclosure - LOANS RECEIVABLE (Tables)</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
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<link:definition>031 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Tables)</link:definition>
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<link:definition>033 - Disclosure - JUNIOR SUBORDINATED DEBENTURES (Tables)</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
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<link:definition>034 - Disclosure - FAIR VALUE MEASUREMENTS (Tables)</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
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<link:definition>035 - Disclosure - REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
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<link:definition>036 - Disclosure - COMMITMENTS AND CONTINGENCIES (Tables)</link:definition>
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<link:definition>032 - Disclosure - GOODWILL (Tables)</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
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<link:definition>040 - Disclosure - STOCK PLANS AND STOCK-BASED COMPENSATION (Details)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
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<link:definition>041 - Disclosure - STOCK PLANS AND STOCK-BASED COMPENSATION (Details 1)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
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<link:definition>042 - Disclosure - STOCK PLANS AND STOCK-BASED COMPENSATION (Detail Textuals)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
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<link:definition>037 - Disclosure - PRINCIPLES OF CONSOLIDATION (Detail Textuals)</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
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<link:roleType roleURI="http://www.riverviewbank.com/role/BUSINESSCOMBINATIONSDetails" id="BUSINESSCOMBINATIONSDetails">
<link:definition>038 - Disclosure - BUSINESS COMBINATIONS (Details)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
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<link:roleType roleURI="http://www.riverviewbank.com/role/BusinessCombinationsDetailTextuals" id="BusinessCombinationsDetailTextuals">
<link:definition>039 - Disclosure - BUSINESS COMBINATIONS (Detail Textuals)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
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<link:roleType roleURI="http://www.riverviewbank.com/role/INVESTMENTSECURITIESDetails1" id="INVESTMENTSECURITIESDetails1">
<link:definition>045 - Disclosure - INVESTMENT SECURITIES (Details)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
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<link:roleType roleURI="http://www.riverviewbank.com/role/INVESTMENTSECURITIESDetails2" id="INVESTMENTSECURITIESDetails2">
<link:definition>046 - Disclosure - INVESTMENT SECURITIES (Details 1)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
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<link:definition>047 - Disclosure - INVESTMENT SECURITIES (Details 2)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
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<link:roleType roleURI="http://www.riverviewbank.com/role/INVESTMENTSECURITIESDetails4" id="INVESTMENTSECURITIESDetails4">
<link:definition>048 - Disclosure - INVESTMENT SECURITIES (Details 3)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
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<link:roleType roleURI="http://www.riverviewbank.com/role/INVESTMENTSECURITIESDetails5" id="INVESTMENTSECURITIESDetails5">
<link:definition>049 - Disclosure - INVESTMENT SECURITIES (Details 4)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
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<link:roleType roleURI="http://www.riverviewbank.com/role/INVESTMENTSECURITIESDetailTextuals" id="INVESTMENTSECURITIESDetailTextuals">
<link:definition>050 - Disclosure - INVESTMENT SECURITIES (Detail Textuals)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
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<link:roleType roleURI="http://www.riverviewbank.com/role/LOANSRECEIVABLELoansReceivableExcludingLoansHeldForSaleDetails" id="LOANSRECEIVABLELoansReceivableExcludingLoansHeldForSaleDetails">
<link:definition>051 - Disclosure - LOANS RECEIVABLE: Loans receivable, excluding loans held for sale (Details)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.riverviewbank.com/role/LOANSRECEIVABLEDetailTextuals" id="LOANSRECEIVABLEDetailTextuals">
<link:definition>052 - Disclosure - LOANS RECEIVABLE (Detail Textuals)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.riverviewbank.com/role/ALLOWANCEFORLOANLOSSESReconciliationOfTheAllowanceForLoanLossesDetails" id="ALLOWANCEFORLOANLOSSESReconciliationOfTheAllowanceForLoanLossesDetails">
<link:definition>053 - Disclosure - ALLOWANCE FOR LOAN LOSSES: Reconciliation of the allowance for loan losses (Details)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
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<link:roleType roleURI="http://www.riverviewbank.com/role/ALLOWANCEFORLOANLOSSESImpairedFinancingReceivablesDetails1" id="ALLOWANCEFORLOANLOSSESImpairedFinancingReceivablesDetails1">
<link:definition>054 - Disclosure - ALLOWANCE FOR LOAN LOSSES: Impaired Financing Receivables (Details 1)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.riverviewbank.com/role/AllowanceForLoanLossesFinancingReceivablesAgingOfLoansDetails2" id="AllowanceForLoanLossesFinancingReceivablesAgingOfLoansDetails2">
<link:definition>055 - Disclosure - ALLOWANCE FOR LOAN LOSSES: Financing Receivables, Aging of Loans (Details 2)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.riverviewbank.com/role/AllowanceForLoanLossesCreditQualityIndicatorsDetails3" id="AllowanceForLoanLossesCreditQualityIndicatorsDetails3">
<link:definition>056 - Disclosure - ALLOWANCE FOR LOAN LOSSES: Credit Quality Indicators (Details 3)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
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<link:roleType roleURI="http://www.riverviewbank.com/role/AllowanceForLoanLossesImpairedFinancingReceivablesDetails4" id="AllowanceForLoanLossesImpairedFinancingReceivablesDetails4">
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<link:definition>058 - Disclosure - ALLOWANCE FOR LOAN LOSSES: Impaired Loans, Average Recorded Investment and Interest Recognized (Details 5)</link:definition>
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<link:definition>059 - Disclosure - ALLOWANCE FOR LOAN LOSSES: TDRs by Interest Accrual Status (Details 6)</link:definition>
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<link:definition>060 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Detail Textuals)</link:definition>
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<link:definition>062 - Disclosure - JUNIOR SUBORDINATED DEBENTURES (Detail Textuals)</link:definition>
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<link:definition>043 - Disclosure - EARNINGS PER SHARE: Earnings Per Share, Basic and Diluted (Details)</link:definition>
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<link:definition>044 - Disclosure - EARNINGS PER SHARE (Detail Textuals)</link:definition>
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<link:definition>063 - Disclosure - FAIR VALUE MEASUREMENTS: Fair Value, Assets and Liabilities Measured on Recurring Basis (Details)</link:definition>
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<link:definition>064 - Disclosure - FAIR VALUE MEASUREMENTS: Assets measured at fair value on a non-recurring basis (Details 2)</link:definition>
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<link:definition>065 - Disclosure - FAIR VALUE MEASUREMENTS: Fair Value, Option, Quantitative Disclosures (Details 3)</link:definition>
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<link:roleType roleURI="http://www.riverviewbank.com/role/NewAccountingPronouncementsDetailTextuals" id="NewAccountingPronouncementsDetailTextuals">
<link:definition>066 - Disclosure - NEW ACCOUNTING PRONOUNCEMENTS (Detail Textuals)</link:definition>
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<link:definition>067 - Disclosure - REVENUE FROM CONTRACTS WITH CUSTOMERS (Details)</link:definition>
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<link:definition>068 - Disclosure - COMMITMENTS AND CONTINGENCIES: Significant off-balance sheet commitments (Details)</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
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<link:roleType roleURI="http://www.riverviewbank.com/role/COMMITMENTSANDCONTINGENCIESDetailTextuals" id="COMMITMENTSANDCONTINGENCIESDetailTextuals">
<link:definition>069 - Disclosure - COMMITMENTS AND CONTINGENCIES (Detail Textuals)</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
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<link:linkbaseRef xlink:type="simple" xlink:href="rvsb-20180630_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
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<element name="FinancingReceivables30To89DaysPastDueMember" id="rvsb_FinancingReceivables30To89DaysPastDueMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
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<element name="TdrByAccrualStatusNonAccrual" id="rvsb_TdrByAccrualStatusNonAccrual" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="TdrByAccrualStatusTotal" id="rvsb_TdrByAccrualStatusTotal" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="InterestIncomeForegoneOnNonAccrualLoans" id="rvsb_InterestIncomeForegoneOnNonAccrualLoans" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="PercentageOfDelinquentLoanAmount" id="rvsb_PercentageOfDelinquentLoanAmount" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>











<element name="IssuanceTrustAxis" id="rvsb_IssuanceTrustAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem"/>
<element name="IssuanceTrustDomain" id="rvsb_IssuanceTrustDomain" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="RiverviewBancorpStatutoryTrustIMember" id="rvsb_RiverviewBancorpStatutoryTrustIMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="RiverviewBancorpStatutoryTrustIIMember" id="rvsb_RiverviewBancorpStatutoryTrustIIMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="MerchantsBancorpStatutoryTrustIMember" id="rvsb_MerchantsBancorpStatutoryTrustIMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="DebtInstrumentDateOfIssuance" id="rvsb_DebtInstrumentDateOfIssuance" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="DebenturesIssuedToGrantorTrusts" id="rvsb_DebenturesIssuedToGrantorTrusts" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="CommonSecuritiesIssuedByGrantorTrusts" id="rvsb_CommonSecuritiesIssuedByGrantorTrusts" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="ImpairedLoansMember" id="rvsb_ImpairedLoansMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="LoansHeldForSaleMember" id="rvsb_LoansHeldForSaleMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="TimeDepositsMember" id="rvsb_TimeDepositsMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="CapitalLeaseObligationMember" id="rvsb_CapitalLeaseObligationMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="AccountingStandardsUpdate2018002Member" id="rvsb_AccountingStandardsUpdate2018002Member" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="LoanRelatedFeesMember" id="rvsb_LoanRelatedFeesMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="LoanServicingFees" id="rvsb_LoanServicingFees" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="FixedRateLoansMember" id="rvsb_FixedRateLoansMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="ThresholdLimitForHonoringOfCommitments" id="rvsb_ThresholdLimitForHonoringOfCommitments" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="LoansUnderWarranty" id="rvsb_LoansUnderWarranty" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="AllowanceForFederalHomeLoanMortgageCorporationLoans" id="rvsb_AllowanceForFederalHomeLoanMortgageCorporationLoans" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
<element name="MaximumNumberOfConsecutiveQuartersForDeferredPaymentOfEachDebenture" id="rvsb_MaximumNumberOfConsecutiveQuartersForDeferredPaymentOfEachDebenture" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="false" nillable="true"/>
</schema>
