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  <xsd:element abstract="true" id="miff_CommercialCustomersMember" name="CommercialCustomersMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="miff_DebtInstrumentVariableRateAverageDay" name="DebtInstrumentVariableRateAverageDay" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant"/>
  <xsd:element id="miff_DebtSecuritiesAvailableforsaleExcludingAccruedInterestAmortizedCostSold" name="DebtSecuritiesAvailableforsaleExcludingAccruedInterestAmortizedCostSold" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="miff_DeferredTaxAssetsCoreContractTermination" name="DeferredTaxAssetsCoreContractTermination" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="miff_DeferredTaxAssetsPurchaseAccountingAdjustmentsOnDepositsAndBorrowings" name="DeferredTaxAssetsPurchaseAccountingAdjustmentsOnDepositsAndBorrowings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="miff_DeferredTaxAssetsPurchaseAccountingAdjustmentsOnLoans" name="DeferredTaxAssetsPurchaseAccountingAdjustmentsOnLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="miff_DeferredTaxAssetsPurchaseAdjustmentsOnSecurities" name="DeferredTaxAssetsPurchaseAdjustmentsOnSecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="miff_DeferredTaxLiabilitiesPurchaseAccountingAdjustmentsInIntangibleAssets" name="DeferredTaxLiabilitiesPurchaseAccountingAdjustmentsInIntangibleAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="miff_DeferredTaxLiabilitiesPurchaseAccountingAdjustmentsOnPremises" name="DeferredTaxLiabilitiesPurchaseAccountingAdjustmentsOnPremises" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="miff_DefinedBenefitPlanLiabilityMultiplierOfSalary" name="DefinedBenefitPlanLiabilityMultiplierOfSalary" nillable="true" substitutionGroup="xbrli:item" type="xbrli:pureItemType" xbrli:periodType="instant"/>
  <xsd:element id="miff_DefinedBenefitPlanMinimumAge" name="DefinedBenefitPlanMinimumAge" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant"/>
  <xsd:element id="miff_DefinedContributionPlanMinimumAge" name="DefinedContributionPlanMinimumAge" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant"/>
  <xsd:element id="miff_DefinedContributionPlanPeriodOfServiceFullyVested" name="DefinedContributionPlanPeriodOfServiceFullyVested" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
  <xsd:element id="miff_DefinedContributionPlanPeriodOfServiceVestingRatably" name="DefinedContributionPlanPeriodOfServiceVestingRatably" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
  <xsd:element id="miff_DefinedContributionPlanRequisiteServiceHours" name="DefinedContributionPlanRequisiteServiceHours" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant"/>
  <xsd:element id="miff_DefinedContributionPlanRequisiteServicePeriod" name="DefinedContributionPlanRequisiteServicePeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_DepositsTotalMember" name="DepositsTotalMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_DissentersSharesMember" name="DissentersSharesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="miff_DividendsFromSubsidiary" name="DividendsFromSubsidiary" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_DocumentAndEntityInformation" name="DocumentAndEntityInformation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="miff_EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsuranceIncomeAmount" name="EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsuranceIncomeAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="miff_EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsuranceIncomePercent" name="EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsuranceIncomePercent" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="duration"/>
  <xsd:element id="miff_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseMergerRelatedCostsAmount" name="EffectiveIncomeTaxRateReconciliationNondeductibleExpenseMergerRelatedCostsAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="miff_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseMergerRelatedCostsPercent" name="EffectiveIncomeTaxRateReconciliationNondeductibleExpenseMergerRelatedCostsPercent" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="duration"/>
  <xsd:element id="miff_EffectiveIncomeTaxRateReconciliationNondeductibleInterestExpenseAmount" name="EffectiveIncomeTaxRateReconciliationNondeductibleInterestExpenseAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="miff_EffectiveIncomeTaxRateReconciliationNondeductibleInterestExpensePercent" name="EffectiveIncomeTaxRateReconciliationNondeductibleInterestExpensePercent" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="duration"/>
  <xsd:element id="miff_EffectiveTaxReconciliationBargainPurchaseGainAmount" name="EffectiveTaxReconciliationBargainPurchaseGainAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="miff_EffectiveTaxReconciliationBargainPurchaseGainPercent" name="EffectiveTaxReconciliationBargainPurchaseGainPercent" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_EmployeeStockOptionPlanMember" name="EmployeeStockOptionPlanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="miff_EmployeeStockOwnershipPlanEsopFairValuePerShareOfSharesSubjectToRepurchaseObligation" name="EmployeeStockOwnershipPlanEsopFairValuePerShareOfSharesSubjectToRepurchaseObligation" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType" xbrli:periodType="instant"/>
  <xsd:element id="miff_EmployeeStockOwnershipPlanMinimumAge" name="EmployeeStockOwnershipPlanMinimumAge" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant"/>
  <xsd:element id="miff_EmployeeStockOwnershipPlanPeriodOfServiceFullyVested" name="EmployeeStockOwnershipPlanPeriodOfServiceFullyVested" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
  <xsd:element id="miff_EmployeeStockOwnershipPlanPeriodOfServiceVestingRatably" name="EmployeeStockOwnershipPlanPeriodOfServiceVestingRatably" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
  <xsd:element id="miff_EmployeeStockOwnershipPlanRequisiteServiceHours" name="EmployeeStockOwnershipPlanRequisiteServiceHours" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant"/>
  <xsd:element id="miff_EmployeeStockOwnershipPlanRequisiteServicePeriod" name="EmployeeStockOwnershipPlanRequisiteServicePeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
  <xsd:element id="miff_ExpenseTotal" name="ExpenseTotal" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_ExtendedMaturityAndPaymentDeferralMember" name="ExtendedMaturityAndPaymentDeferralMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="miff_FinancingReceivableAcquiredUnamortizedPurchasePremiumDiscount" name="FinancingReceivableAcquiredUnamortizedPurchasePremiumDiscount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="miff_FinancingReceivableAnnuallyReviewedForLoanGradeMinimumAmount" name="FinancingReceivableAnnuallyReviewedForLoanGradeMinimumAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="miff_FinancingReceivableCollateralDependentTableTextBlock" name="FinancingReceivableCollateralDependentTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="miff_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanPurchasedIncludingPurchasedFromBusinessCombination" name="FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanPurchasedIncludingPurchasedFromBusinessCombination" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="miff_FinancingReceivableExcludingAccruedInterestNonaccrualWithAllowance" name="FinancingReceivableExcludingAccruedInterestNonaccrualWithAllowance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="miff_FinancingReceivableMeasurementInput" name="FinancingReceivableMeasurementInput" nillable="true" substitutionGroup="xbrli:item" type="xbrli:decimalItemType" xbrli:periodType="instant"/>
  <xsd:element id="miff_FinancingReceivableModifiedInPeriodNumberOfLoans" name="FinancingReceivableModifiedInPeriodNumberOfLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration"/>
  <xsd:element id="miff_FinancingReceivableNumberOfLoans" name="FinancingReceivableNumberOfLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant"/>
  <xsd:element id="miff_FinancingReceivableNumberOfLoansInProcessOfForeclosure" name="FinancingReceivableNumberOfLoansInProcessOfForeclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration"/>
  <xsd:element id="miff_FinancingReceivablePercentageOfLoanPortfolio" name="FinancingReceivablePercentageOfLoanPortfolio" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="miff_FinancingReceivablePurchasedOutstandingPrincipalBalance" name="FinancingReceivablePurchasedOutstandingPrincipalBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="miff_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePriceAdjustments" name="FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePriceAdjustments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="miff_FinancingReceivableReviewedForLoanGradeMinimumCommitment" name="FinancingReceivableReviewedForLoanGradeMinimumCommitment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="miff_FinancingReceivableReviewedForLoanGradePastDuePeriod" name="FinancingReceivableReviewedForLoanGradePastDuePeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
  <xsd:element id="miff_FinancingReceivableReviewedForLoanGradePercentageOfDollarVolume" name="FinancingReceivableReviewedForLoanGradePercentageOfDollarVolume" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="miff_FinancingReceivables30To89DaysPastDueMember" name="FinancingReceivables30To89DaysPastDueMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_FractionalSharesMember" name="FractionalSharesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_FurnitureFixturesAndEquipmentMember" name="FurnitureFixturesAndEquipmentMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="miff_GainsLossesOnSalesOfForeclosedRealEstate" name="GainsLossesOnSalesOfForeclosedRealEstate" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="miff_ImpairmentOfInvestmentsInFederalHomeLoanBankStock" name="ImpairmentOfInvestmentsInFederalHomeLoanBankStock" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="miff_IncreaseDecreaseInMaximumCashObligationRelatedToEsopShares" name="IncreaseDecreaseInMaximumCashObligationRelatedToEsopShares" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="miff_InterestbearingTimeDepositInOtherFinancialInstitutionFairValueDisclosure" name="InterestbearingTimeDepositInOtherFinancialInstitutionFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="miff_InterestbearingTimeDepositsPolicyTextBlock" name="InterestbearingTimeDepositsPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="miff_LoansAcquiredInBusinessCombinationsTableTextBlock" name="LoansAcquiredInBusinessCombinationsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_NNBMember" name="NNBMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="miff_NetAccretionOfAcquisitionAccountingEstimate" name="NetAccretionOfAcquisitionAccountingEstimate" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_NewDirectorsAndExecutiveOfficersMember" name="NewDirectorsAndExecutiveOfficersMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_NoCustomerMember" name="NoCustomerMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_NorthumberlandBancorpMember" name="NorthumberlandBancorpMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_NoteToFinancialStatementDetailsTextual" name="NoteToFinancialStatementDetailsTextual" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_NotesToFinancialStatements" name="NotesToFinancialStatements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_NotesToFinancialStatementsAbstract" name="NotesToFinancialStatementsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="miff_NumberOfOffices" name="NumberOfOffices" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="miff_OffBalanceSheetCreditExposuresMember" name="OffBalanceSheetCreditExposuresMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_OtherBorrowingsMember" name="OtherBorrowingsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_OtherCollateralMember" name="OtherCollateralMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_OtherCorrespondentBanksMember" name="OtherCorrespondentBanksMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_OtherRestrictedStockMember" name="OtherRestrictedStockMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="miff_PaymentsToAcquireBusinessesGrossAdjustments" name="PaymentsToAcquireBusinessesGrossAdjustments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_PolicyTable" name="PolicyTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_PremisesMember" name="PremisesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="miff_ProceedsFromPaymentsForFederalReserveBankBorrowings" name="ProceedsFromPaymentsForFederalReserveBankBorrowings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_ProfitsharingEmployerContributionComponentToThe401kPlanMember" name="ProfitsharingEmployerContributionComponentToThe401kPlanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="miff_PurchasedFinancialAssetsWithCreditDeteriorationTableTextBlock" name="PurchasedFinancialAssetsWithCreditDeteriorationTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="miff_RestrictedInvestmentsInBankStockFairValueDisclosure" name="RestrictedInvestmentsInBankStockFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="miff_Section401kPlanMember" name="Section401kPlanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="miff_SecuritiesSoldUnderAgreementsToRepurchaseTextBlock" name="SecuritiesSoldUnderAgreementsToRepurchaseTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="miff_SplitdollarLifeInsurancePoliciesInitialCashOutlay" name="SplitdollarLifeInsurancePoliciesInitialCashOutlay" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="miff_TrustAndInvestmentMember" name="TrustAndInvestmentMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="miff_TrustAssetsAndIncomePolicyTextBlock" name="TrustAssetsAndIncomePolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_ValuationAppraisalOfCollateralApproachMember" name="ValuationAppraisalOfCollateralApproachMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_statement-statement-note-1-summary-of-significant-accounting-policies-core-deposit-intangible-schedule-of-finitelived-intangible-assets-future-amortization-expense-details" name="statement-statement-note-1-summary-of-significant-accounting-policies-core-deposit-intangible-schedule-of-finitelived-intangible-assets-future-amortization-expense-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_statement-statement-note-1-summary-of-significant-accounting-policies-tables" name="statement-statement-note-1-summary-of-significant-accounting-policies-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_statement-statement-note-10-securities-sold-under-agreements-to-repurchase-liabilities-details" name="statement-statement-note-10-securities-sold-under-agreements-to-repurchase-liabilities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
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  <xsd:element abstract="true" id="miff_statement-statement-note-11-benefits-plans-tables" name="statement-statement-note-11-benefits-plans-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_statement-statement-note-12-income-taxes-deferred-tax-assets-and-liabilities-details" name="statement-statement-note-12-income-taxes-deferred-tax-assets-and-liabilities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_statement-statement-note-12-income-taxes-provision-for-income-taxes-details" name="statement-statement-note-12-income-taxes-provision-for-income-taxes-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_statement-statement-note-12-income-taxes-reconciliation-of-income-tax-rate-details" name="statement-statement-note-12-income-taxes-reconciliation-of-income-tax-rate-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
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  <xsd:element abstract="true" id="miff_statement-statement-note-4-securities-summary-of-gains-and-losses-details" name="statement-statement-note-4-securities-summary-of-gains-and-losses-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_statement-statement-note-4-securities-tables" name="statement-statement-note-4-securities-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_statement-statement-note-5-loans-and-other-real-estate-owned-oreo-categories-of-loans-details" name="statement-statement-note-5-loans-and-other-real-estate-owned-oreo-categories-of-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
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  <xsd:element abstract="true" id="miff_statement-statement-note-5-loans-and-other-real-estate-owned-oreo-reconciliation-of-purchase-price-to-par-value-details" name="statement-statement-note-5-loans-and-other-real-estate-owned-oreo-reconciliation-of-purchase-price-to-par-value-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
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  <xsd:element abstract="true" id="miff_statement-statement-note-7-premises-and-equipment-tables" name="statement-statement-note-7-premises-and-equipment-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_statement-statement-note-8-deposits-maturity-of-time-deposits-details" name="statement-statement-note-8-deposits-maturity-of-time-deposits-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_statement-statement-note-8-deposits-tables" name="statement-statement-note-8-deposits-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_statement-statement-note-9-borrowings-and-subordinated-debt-federal-home-loan-bank-advances-details" name="statement-statement-note-9-borrowings-and-subordinated-debt-federal-home-loan-bank-advances-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_statement-statement-note-9-borrowings-and-subordinated-debt-tables" name="statement-statement-note-9-borrowings-and-subordinated-debt-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="miff_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>
