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  <xsd:element name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans" id="thff_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentNetIdentifiableAssets" id="thff_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentNetIdentifiableAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentGoodwill" id="thff_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentGoodwill" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="OtherBorrowingsFairValueDisclosure" id="thff_OtherBorrowingsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ScheduleOfAmortizedCostBasisOfCollateralDependentLoansTableTextBlock" id="thff_ScheduleOfAmortizedCostBasisOfCollateralDependentLoansTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="LoansPastDuePeriodConsideredNonperforming" id="thff_LoansPastDuePeriodConsideredNonperforming" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="InvestmentSecuritiesNumberOfSegmentForImpairmentEvaluation" id="thff_InvestmentSecuritiesNumberOfSegmentForImpairmentEvaluation" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="AllowanceForLoanLossesDisclosureAbstract" id="thff_AllowanceForLoanLossesDisclosureAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfOtherBorrowingsTableTextBlock" id="thff_ScheduleOfOtherBorrowingsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AggregateMinimumAnnualRetirementsOfOtherBorrowingsTableTextBlock" id="thff_AggregateMinimumAnnualRetirementsOfOtherBorrowingsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FairValueAssetsLevel1ToLevel2TransfersAmount1" id="thff_FairValueAssetsLevel1ToLevel2TransfersAmount1" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FairValueAssetsLevel2ToLevel1TransfersAmount1" id="thff_FairValueAssetsLevel2ToLevel1TransfersAmount1" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FairValueLiabilitiesLevel1ToLevel2TransfersAmount1" id="thff_FairValueLiabilitiesLevel1ToLevel2TransfersAmount1" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FairValueLiabilitiesLevel2ToLevel1TransfersAmount1" id="thff_FairValueLiabilitiesLevel2ToLevel1TransfersAmount1" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="CreditLossesRecognizedInEarningsTableTextBlock" id="thff_CreditLossesRecognizedInEarningsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="CreditLossesRecognizedInEarningsRollForward" id="thff_CreditLossesRecognizedInEarningsRollForward" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="InvestmentSecuritiesCreditLossesRecognizedInEarnings" id="thff_InvestmentSecuritiesCreditLossesRecognizedInEarnings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="InvestmentSecuritiesCreditLossesRecognizedInEarningsReductionsForSecuritiesCalled" id="thff_InvestmentSecuritiesCreditLossesRecognizedInEarningsReductionsForSecuritiesCalled" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="Rule10b51arrmodifiedflag" id="thff_Rule10b51arrmodifiedflag" type="xbrli:booleanItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="Nonrule10b51arrmodifiedflag" id="thff_Nonrule10b51arrmodifiedflag" type="xbrli:booleanItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="CollateralOtherThanRealEstateMember" id="thff_CollateralOtherThanRealEstateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ScheduleOfPerformanceOfModifiedLoansAndLeasesBorrowersInFinancialDifficultyTableTextBlock" id="thff_ScheduleOfPerformanceOfModifiedLoansAndLeasesBorrowersInFinancialDifficultyTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="QualifiedAffordableHousingProjectInvestmentsTable" id="thff_QualifiedAffordableHousingProjectInvestmentsTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="QualifiedAffordableHousingProjectInvestmentsLineItems" id="thff_QualifiedAffordableHousingProjectInvestmentsLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="OtherNonInterestExpenseMember" id="thff_OtherNonInterestExpenseMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="IncomeTaxExpenseMember" id="thff_IncomeTaxExpenseMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SimplybankMember" id="thff_SimplybankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="BusinessCombinationFinancialAssetsWithCreditDeteriorationFairValue" id="thff_BusinessCombinationFinancialAssetsWithCreditDeteriorationFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="BusinessCombinationFinancialAssetsContractualCashFlowWithCreditDeteriorationUncollectible" id="thff_BusinessCombinationFinancialAssetsContractualCashFlowWithCreditDeteriorationUncollectible" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="TrustAndFinancialServicesMember" id="thff_TrustAndFinancialServicesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableThresholdPeriodPastDueSubstandard" id="thff_FinancingReceivableThresholdPeriodPastDueSubstandard" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivableThresholdPeriodDefaultModifiedTerms" id="thff_FinancingReceivableThresholdPeriodDefaultModifiedTerms" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="CedarstoneFinancialInc.Member" id="thff_CedarstoneFinancialInc.Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="BusinessCombinationRecognizedLiabilityAssumedOtherLiabilityOtherBorrowings" id="thff_BusinessCombinationRecognizedLiabilityAssumedOtherLiabilityOtherBorrowings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivablePurchasedCreditDeteriorationTableTextBlock" id="thff_FinancingReceivablePurchasedCreditDeteriorationTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivablePurchasedPrice" id="thff_FinancingReceivablePurchasedPrice" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivablePurchasedAllowanceForCreditLosses" id="thff_FinancingReceivablePurchasedAllowanceForCreditLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivablePurchasedParValueAtAcquistion" id="thff_FinancingReceivablePurchasedParValueAtAcquistion" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
</xsd:schema>
