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  <xsd:element name="AutomatedTellerMember" id="fkys_AutomatedTellerMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AtlanticCentralBankersBankMember" id="fkys_AtlanticCentralBankersBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="BankOwnedLifeInsuranceMember" id="fkys_BankOwnedLifeInsuranceMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MortgageLoanServiceMember" id="fkys_MortgageLoanServiceMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TaxCreditsOnInvestmentsInLowIncomeHousingPartnerships" id="fkys_TaxCreditsOnInvestmentsInLowIncomeHousingPartnerships" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="LoanPaymentsDelinquencyPeriodBeyondWhichLoansConsideredPastDue" id="fkys_LoanPaymentsDelinquencyPeriodBeyondWhichLoansConsideredPastDue" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoanPaymentsDelinquencyPeriodBeyondWhichLoansConsideredNonAccrual" id="fkys_LoanPaymentsDelinquencyPeriodBeyondWhichLoansConsideredNonAccrual" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="InterestOnNonaccrualLoansEstimateOfAccrualAmount" id="fkys_InterestOnNonaccrualLoansEstimateOfAccrualAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="DeferredTaxAssetsProvisionForUnfundedCommitments" id="fkys_DeferredTaxAssetsProvisionForUnfundedCommitments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="SafeHarborMatchingContributionsPlanMember" id="fkys_SafeHarborMatchingContributionsPlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ProfitSharingFeatureContributionsMember" id="fkys_ProfitSharingFeatureContributionsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CapitalRequiredForMinimumCapitalAdequacyWithCapitalBuffer" id="fkys_CapitalRequiredForMinimumCapitalAdequacyWithCapitalBuffer" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="CapitalRequiredForToMinimumCapitalAdequacyWithCapitalBufferRiskWeightedAssets" id="fkys_CapitalRequiredForToMinimumCapitalAdequacyWithCapitalBufferRiskWeightedAssets" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="TierOneRiskBasedCapitalRequiredForMinimumCapitalAdequacyWithCapitalBuffer" id="fkys_TierOneRiskBasedCapitalRequiredForMinimumCapitalAdequacyWithCapitalBuffer" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="TierOneRiskBasedCapitalRequiredForMinimumCapitalAdequacyWithCapitalBufferToRiskWeightedAssets" id="fkys_TierOneRiskBasedCapitalRequiredForMinimumCapitalAdequacyWithCapitalBufferToRiskWeightedAssets" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="CommonEquityTierOneCapitalRequiredForMinimumCapitalAdequacyWithCapitalBuffer" id="fkys_CommonEquityTierOneCapitalRequiredForMinimumCapitalAdequacyWithCapitalBuffer" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="CommonEquityTierOneCapitalRequiredForMinimumCapitalAdequacyWithCapitalBufferToRiskWeightedAssets" id="fkys_CommonEquityTierOneCapitalRequiredForMinimumCapitalAdequacyWithCapitalBufferToRiskWeightedAssets" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="TierOneLeverageCapitalRequiredForMinimumCapitalAdequacyWithCapitalBuffer" id="fkys_TierOneLeverageCapitalRequiredForMinimumCapitalAdequacyWithCapitalBuffer" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="TierOneLeverageCapitalRequiredForMinimumCapitalAdequacyWithCapitalBufferToAverageAssets" id="fkys_TierOneLeverageCapitalRequiredForMinimumCapitalAdequacyWithCapitalBufferToAverageAssets" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="SharePurchaseAndDividendReinvestmentPlanSharesTransferredAndHeld" id="fkys_SharePurchaseAndDividendReinvestmentPlanSharesTransferredAndHeld" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="SharePurchaseAndDividendReinvestmentPlanNumberOfSharesAuthorized" id="fkys_SharePurchaseAndDividendReinvestmentPlanNumberOfSharesAuthorized" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="SharePurchaseAndDividendReinvestmentPlanQuarterlyVoluntaryInvestment" id="fkys_SharePurchaseAndDividendReinvestmentPlanQuarterlyVoluntaryInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="DividendIncomeFromSubsidiaryBank" id="fkys_DividendIncomeFromSubsidiaryBank" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="IncomeLossFromContinuingOperationsBeforeIncomeLossFromEquityMethodInvestments" id="fkys_IncomeLossFromContinuingOperationsBeforeIncomeLossFromEquityMethodInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="OtherComprehensiveIncomeLossOfBankingSubsidiaries" id="fkys_OtherComprehensiveIncomeLossOfBankingSubsidiaries" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="RestrictedInvestmentInCorrespondentBankStock" id="fkys_RestrictedInvestmentInCorrespondentBankStock" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="FederalDepositInsuranceCorporationPremiumExpenseIncome" id="fkys_FederalDepositInsuranceCorporationPremiumExpenseIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="RestrictedInvestmentInCorrespondentBankStockFairValueDisclosure" id="fkys_RestrictedInvestmentInCorrespondentBankStockFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="GovernmentGuaranteedLoans" id="fkys_GovernmentGuaranteedLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="DeferredTaxLiabilitiesUnrealizedGainsOnMarketableEquitySecurities" id="fkys_DeferredTaxLiabilitiesUnrealizedGainsOnMarketableEquitySecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardMinimumNumberOfQualifyingShares" id="fkys_ShareBasedCompensationArrangementByShareBasedPaymentAwardMinimumNumberOfQualifyingShares" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="LoansServicedForOthers" id="fkys_LoansServicedForOthers" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="BankingRegulationTierOneLeverageCapitalActual" id="fkys_BankingRegulationTierOneLeverageCapitalActual" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="PotentialCommonStockSharesOutstanding" id="fkys_PotentialCommonStockSharesOutstanding" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="ConcentrationRiskCreditRiskFinancialInstrumentOffBalanceSheetRisk" id="fkys_ConcentrationRiskCreditRiskFinancialInstrumentOffBalanceSheetRisk" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="ObligationsOfUsGovernmentCorporationsAndAgenciesMortgageBackedMember" id="fkys_ObligationsOfUsGovernmentCorporationsAndAgenciesMortgageBackedMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="BasisOfPresentationSummaryOfSignificantAccountingPoliciesAndSubsequentEventsTextBlock" id="fkys_BasisOfPresentationSummaryOfSignificantAccountingPoliciesAndSubsequentEventsTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MaximumLoanToValueRatioPrimaryMortgageInsurance" id="fkys_MaximumLoanToValueRatioPrimaryMortgageInsurance" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="MortgageBackedObligationsOfUsGovernmentCorporationsAndAgenciesMember" id="fkys_MortgageBackedObligationsOfUsGovernmentCorporationsAndAgenciesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherMortgageBackedDebtSecuritiesMember" id="fkys_OtherMortgageBackedDebtSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivableNumberOfModifications" id="fkys_FinancingReceivableNumberOfModifications" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="HomeEquityLineOfCreditMember" id="fkys_HomeEquityLineOfCreditMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivableCurrentAnd29DaysPastDue" id="fkys_FinancingReceivableCurrentAnd29DaysPastDue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="WeightedAverageTermAndDiscountRatesForLeasesTableTextBlock" id="fkys_WeightedAverageTermAndDiscountRatesForLeasesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DebtInstrumentInterestRateStatedPercentageFirstFiveYears" id="fkys_DebtInstrumentInterestRateStatedPercentageFirstFiveYears" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="DebtInstrumentTermForDeterminingInterestRateAndPayments" id="fkys_DebtInstrumentTermForDeterminingInterestRateAndPayments" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MinimumPeriodOfTimeGivenToRedeemNotes" id="fkys_MinimumPeriodOfTimeGivenToRedeemNotes" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ImpairedLoansReceivableCollateralDependentMember" id="fkys_ImpairedLoansReceivableCollateralDependentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NumberOfRetiredEmployees" id="fkys_NumberOfRetiredEmployees" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DefinedContributionPlanMonthlyPaymentsToMakePeriod" id="fkys_DefinedContributionPlanMonthlyPaymentsToMakePeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NumberOfRetiredOfficersWhoArePartOfNonQualifiedDeferredCompensationPlan" id="fkys_NumberOfRetiredOfficersWhoArePartOfNonQualifiedDeferredCompensationPlan" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="FirstPortionContributionMember" id="fkys_FirstPortionContributionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SecondPortionContributionMember" id="fkys_SecondPortionContributionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RightOfUseAssetObtainedInExchangeForOperatingOrFinanceLeaseLiability" id="fkys_RightOfUseAssetObtainedInExchangeForOperatingOrFinanceLeaseLiability" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="RestrictedEquitySecuritiesWithoutReadilyDeterminableFairValueAmount" id="fkys_RestrictedEquitySecuritiesWithoutReadilyDeterminableFairValueAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="InterestExpenseSubordinatedDebentures" id="fkys_InterestExpenseSubordinatedDebentures" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="AppraisalOfCollateralCertificateOfInspectionMember" id="fkys_AppraisalOfCollateralCertificateOfInspectionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IrrevocableStandbyLetterOfCreditMember" id="fkys_IrrevocableStandbyLetterOfCreditMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SecuritiesPledgedForFederalHomeLoanBankLoansAndLetterOfCreditFacilities" id="fkys_SecuritiesPledgedForFederalHomeLoanBankLoansAndLetterOfCreditFacilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="FinancialAssetPastDueEqualToOrGreaterThan30DaysMember" id="fkys_FinancialAssetPastDueEqualToOrGreaterThan30DaysMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableTroubledDebtRestructuringSubsequentDefaultNumberOfLoans" id="fkys_FinancingReceivableTroubledDebtRestructuringSubsequentDefaultNumberOfLoans" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="SallieMaeBankSecuritiesMember" id="fkys_SallieMaeBankSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NumberOfTDRsNotInComplianceWithTheirTerms" id="fkys_NumberOfTDRsNotInComplianceWithTheirTerms" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="SecuritiesHoldingsConcentrationRiskMember" id="fkys_SecuritiesHoldingsConcentrationRiskMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LoansIndividuallyEvaluatedForImpairmentMember" id="fkys_LoansIndividuallyEvaluatedForImpairmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LoansCollectivelyEvaluatedForImpairmentMember" id="fkys_LoansCollectivelyEvaluatedForImpairmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableRecordedInvestment" id="fkys_FinancingReceivableRecordedInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="RealEstateLoansMember" id="fkys_RealEstateLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AgriculturalLoansMember" id="fkys_AgriculturalLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="StateAndPoliticalSubdivisionsMember" id="fkys_StateAndPoliticalSubdivisionsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossYearOneOriginatedCurrentFiscalYear" id="fkys_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossYearOneOriginatedCurrentFiscalYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" id="fkys_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" id="fkys_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" id="fkys_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" id="fkys_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" id="fkys_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="CommercialAndIndustrialPortfolioSegmentMember" id="fkys_CommercialAndIndustrialPortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ConsumerLendingPortfolioSegmentMember" id="fkys_ConsumerLendingPortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ScheduleOfFinancialReceivablesCollateralDependentTableTextBlock" id="fkys_ScheduleOfFinancialReceivablesCollateralDependentTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="OtherAssetsUsedAsCollateralMember" id="fkys_OtherAssetsUsedAsCollateralMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ProvisionCreditForCreditLossesOnUnfundedCommitments" id="fkys_ProvisionCreditForCreditLossesOnUnfundedCommitments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesInLossPositionCombinedDeclineAsPercentageOfPortfolio" id="fkys_DebtSecuritiesInLossPositionCombinedDeclineAsPercentageOfPortfolio" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="AvailableForSaleMunicipalSecuritiesMember" id="fkys_AvailableForSaleMunicipalSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AvailableForSaleMortgageBackSecuritiesMember" id="fkys_AvailableForSaleMortgageBackSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ScheduleOfCumulativeAmountOfFairValueHedgingAdjustmentIncludedCarryingAmountOfHedgedAssetsTableTextBlock" id="fkys_ScheduleOfCumulativeAmountOfFairValueHedgingAdjustmentIncludedCarryingAmountOfHedgedAssetsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ScheduleOfCumulativeAmountOfFairValueHedgingAdjustmentIncludedCarryingAmountOfAssetsTableTextBlock" id="fkys_ScheduleOfCumulativeAmountOfFairValueHedgingAdjustmentIncludedCarryingAmountOfAssetsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="RecordedInvestmentAbstract" id="fkys_RecordedInvestmentAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="UnpaidPrincipalBalanceAbstract" id="fkys_UnpaidPrincipalBalanceAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EquitySecuritiesWithReadilyDeterminableFairValuePolicyTextBlock" id="fkys_EquitySecuritiesWithReadilyDeterminableFairValuePolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ScheduleOfHoldingsOfSecuritiesFromIssuersInExcessOfTenPercentOfConsolidatedStockholdersEquityTableTextBlock" id="fkys_ScheduleOfHoldingsOfSecuritiesFromIssuersInExcessOfTenPercentOfConsolidatedStockholdersEquityTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="NelnetStudentLoanTrustMember" id="fkys_NelnetStudentLoanTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NavientStudentLoanTrustMember" id="fkys_NavientStudentLoanTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="Due20284.46To5.14Member" id="fkys_Due20284.46To5.14Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FairValuesMeasurementSignificantAssumptions" id="fkys_FairValuesMeasurementSignificantAssumptions" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="VelocityCommercialCapitalMember" id="fkys_VelocityCommercialCapitalMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivablesModificationsNumberOfContracts" id="fkys_FinancingReceivablesModificationsNumberOfContracts" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivableModificationsPreModificationRecordedInvestment" id="fkys_FinancingReceivableModificationsPreModificationRecordedInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossAndDeferredFeesAndCosts" id="fkys_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossAndDeferredFeesAndCosts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableDeferredFeesAndCostsExcludingAccruedInterest" id="fkys_FinancingReceivableDeferredFeesAndCostsExcludingAccruedInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="MinimumPercentageOfConsolidatedShareholderEquityHeldByIssuer" id="fkys_MinimumPercentageOfConsolidatedShareholderEquityHeldByIssuer" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="AvailableForSaleDebtSecuritiesMember" id="fkys_AvailableForSaleDebtSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ContractualObligationToBePaidYearOneToYearThree" id="fkys_ContractualObligationToBePaidYearOneToYearThree" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="NetContractualObligation" id="fkys_NetContractualObligation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivablePostModificationsRecordedInvestmentPaidCurrent" id="fkys_FinancingReceivablePostModificationsRecordedInvestmentPaidCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="NumberOfFinanceLeases" id="fkys_NumberOfFinanceLeases" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="Due20264.40To4.92Member" id="fkys_Due20264.40To4.92Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CumulativeAmountOfFairValueHedgingAdjustmentIncludedInCarryingAmountOfAssetsNet" id="fkys_CumulativeAmountOfFairValueHedgingAdjustmentIncludedInCarryingAmountOfAssetsNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="BankOwnedLifeInsuranceIncomePercent" id="fkys_BankOwnedLifeInsuranceIncomePercent" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EffectiveIncomeTaxRateReconciliationIncomeLifeInsuranceAmount" id="fkys_EffectiveIncomeTaxRateReconciliationIncomeLifeInsuranceAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableNonaccrualWithRelatedAllowanceRecordedInvestment" id="fkys_FinancingReceivableNonaccrualWithRelatedAllowanceRecordedInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableNonaccrualWithNoRelatedAllowanceRecordedInvestment" id="fkys_FinancingReceivableNonaccrualWithNoRelatedAllowanceRecordedInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableNonaccrualRecordedInvestment" id="fkys_FinancingReceivableNonaccrualRecordedInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableNonaccrualWithRelatedAllowanceUnpaidPrincipalBalance" id="fkys_FinancingReceivableNonaccrualWithRelatedAllowanceUnpaidPrincipalBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableNonaccrualWithNoRelatedAllowanceUnpaidPrincipalBalance" id="fkys_FinancingReceivableNonaccrualWithNoRelatedAllowanceUnpaidPrincipalBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableNonaccrualUnpaidPrincipalBalance" id="fkys_FinancingReceivableNonaccrualUnpaidPrincipalBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableNonaccrualRelatedAllowance" id="fkys_FinancingReceivableNonaccrualRelatedAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableIndividuallyEvaluatedForImpairmentFairValueDisclosure" id="fkys_FinancingReceivableIndividuallyEvaluatedForImpairmentFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivablesModificationsAggregateNumberOfLoans" id="fkys_FinancingReceivablesModificationsAggregateNumberOfLoans" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="GainFromLifeInsuranceProceeds" id="fkys_GainFromLifeInsuranceProceeds" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ProceedsFromLifeInsurancePolicyGain" id="fkys_ProceedsFromLifeInsurancePolicyGain" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="OneToFourFamilyLoansMember" id="fkys_OneToFourFamilyLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="MultiFamilyLoansMember" id="fkys_MultiFamilyLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="OwnerOccupiedNonFarmNonResidentialLoansMember" id="fkys_OwnerOccupiedNonFarmNonResidentialLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="StockLoansMember" id="fkys_StockLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableModifiedInterestOnlyPaymentPeriod" id="fkys_FinancingReceivableModifiedInterestOnlyPaymentPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="PaymentsOfOrdinaryDividendsCommonStockNetOfReinvestment" id="fkys_PaymentsOfOrdinaryDividendsCommonStockNetOfReinvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="O2026Q1DividendsMember" id="fkys_O2026Q1DividendsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DeferredTaxAssetsLeaseLiabilities" id="fkys_DeferredTaxAssetsLeaseLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="NonOwnerOccupiedNonFarmNonResidentialLoansMember" id="fkys_NonOwnerOccupiedNonFarmNonResidentialLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CommercialMotorVehicleLoansMember" id="fkys_CommercialMotorVehicleLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SummaryOfSignificantAccountingPoliciesTable" id="fkys_SummaryOfSignificantAccountingPoliciesTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SummaryOfSignificantAccountingPoliciesLineItems" id="fkys_SummaryOfSignificantAccountingPoliciesLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NumberOfLoanPortfolioSegments" id="fkys_NumberOfLoanPortfolioSegments" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DepositsPolicyTextBlock" id="fkys_DepositsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ServiceChargesAndFeesOnDepositsPolicyTextBlock" id="fkys_ServiceChargesAndFeesOnDepositsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="AtmFeesAndDebitCardIncomePolicyTextBlock" id="fkys_AtmFeesAndDebitCardIncomePolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="SubordinatedBorrowingsPolicyTextBlock" id="fkys_SubordinatedBorrowingsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DebtSecuritiesAvailableForSaleAccumulatedBasisAdjustmentForFairValueHedge" id="fkys_DebtSecuritiesAvailableForSaleAccumulatedBasisAdjustmentForFairValueHedge" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="LoanThreeMember" id="fkys_LoanThreeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrincipalCapitalizationMember" id="fkys_PrincipalCapitalizationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="InterestOnlyPaymentsMember" id="fkys_InterestOnlyPaymentsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="OtherLoanRestructuringModificationMember" id="fkys_OtherLoanRestructuringModificationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LoanFourMember" id="fkys_LoanFourMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableNumberOfModificationsReModified" id="fkys_FinancingReceivableNumberOfModificationsReModified" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivableModifiedLoanModificationExtensionTerm" id="fkys_FinancingReceivableModifiedLoanModificationExtensionTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
</xsd:schema>
