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  <xsd:element name="RealEstateInvestmentsResidentialHousingProgram" id="pfis_RealEstateInvestmentsResidentialHousingProgram" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
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  <xsd:element name="MaximumPercentageOfStockholdersEquityExceededForSecuritiesOfAnyIndividualIssuer" id="pfis_MaximumPercentageOfStockholdersEquityExceededForSecuritiesOfAnyIndividualIssuer" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="CommitmentToExtendCredit" id="pfis_CommitmentToExtendCredit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
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  <xsd:element name="StandbyLetterOfCredit" id="pfis_StandbyLetterOfCredit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
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  <xsd:element name="UnpaidPrincipalBalancesOfMortgageLoansServicedForOthers" id="pfis_UnpaidPrincipalBalancesOfMortgageLoansServicedForOthers" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
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  <xsd:element name="ShortTermDebtWeightedAverageInterestRateAtYearEnd" id="pfis_ShortTermDebtWeightedAverageInterestRateAtYearEnd" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="TierOneCommonEquityRiskBasedCapital" id="pfis_TierOneCommonEquityRiskBasedCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
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  <xsd:element name="TierOneCommonEquityRiskBasedCapitalRequiredForCapitalAdequacy" id="pfis_TierOneCommonEquityRiskBasedCapitalRequiredForCapitalAdequacy" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
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  <xsd:element name="AverageReturnOnEquityPeriod" id="pfis_AverageReturnOnEquityPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CommercialMortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" id="pfis_CommercialMortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TwoThousandAndSeventeenPlanMember" id="pfis_TwoThousandAndSeventeenPlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InterestRateSwapFairValueDisclosure" id="pfis_InterestRateSwapFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
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  <xsd:element name="InterestRateSwapOtherAssetsMember" id="pfis_InterestRateSwapOtherAssetsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InterestRateSwapOtherLiabilitiesMember" id="pfis_InterestRateSwapOtherLiabilitiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CommissionAndFeesOnFiduciaryActivitiesMember" id="pfis_CommissionAndFeesOnFiduciaryActivitiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="IncreaseDecreaseInLendingLiabilities" id="pfis_IncreaseDecreaseInLendingLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="PaymentsForRepurchaseOfRestrictedStock" id="pfis_PaymentsForRepurchaseOfRestrictedStock" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
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  <xsd:element name="LongTermFederalHomeLoanBankAdvancesAndFederalReserveBank" id="pfis_LongTermFederalHomeLoanBankAdvancesAndFederalReserveBank" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
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  <xsd:element name="InitialRecognitionOfLeaseLiability" id="pfis_InitialRecognitionOfLeaseLiability" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
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  <xsd:element name="DerivativeCollateralPaidNotOffset" id="pfis_DerivativeCollateralPaidNotOffset" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
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  <xsd:element name="AllowanceForCreditLossesOnOffBalanceSheetCommitmentsTableTextBlock" id="pfis_AllowanceForCreditLossesOnOffBalanceSheetCommitmentsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
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  <xsd:element name="FinancingReceivableNonAccrualWithNoRelatedAllowancesTableTextBlock" id="pfis_FinancingReceivableNonAccrualWithNoRelatedAllowancesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="InterestRateProductsMember" id="pfis_InterestRateProductsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
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  <xsd:element name="TwoThousandAndTwentyThreePlanMember" id="pfis_TwoThousandAndTwentyThreePlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PrepaidPension" id="pfis_PrepaidPension" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
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  <xsd:element name="FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment" id="pfis_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment1" id="pfis_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment1" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
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  <xsd:element name="HedgedAssetCarryingValue" id="pfis_HedgedAssetCarryingValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
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  <xsd:element name="DebtSecuritiesExcludingAccruedInterestHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsFairValue" id="pfis_DebtSecuritiesExcludingAccruedInterestHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
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  <xsd:element name="DebtSecuritiesExcludingAccruedInterestHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" id="pfis_DebtSecuritiesExcludingAccruedInterestHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
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  <xsd:element name="TimeDepositsLessThan250000" id="pfis_TimeDepositsLessThan250000" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="BorrowInCustodyProgramMember" id="pfis_BorrowInCustodyProgramMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SubordinateNotesDue2030Member" id="pfis_SubordinateNotesDue2030Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="MeasurementInputAppraisalAdjustmentMember" id="pfis_MeasurementInputAppraisalAdjustmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="MeasurementInputLiquidationExpensesMember" id="pfis_MeasurementInputLiquidationExpensesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TimeBasedRestrictedStockMember" id="pfis_TimeBasedRestrictedStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="OriginationOfMortgageServicingRights" id="pfis_OriginationOfMortgageServicingRights" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FncbBancorpIncMember" id="pfis_FncbBancorpIncMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="JuniorSubordinatedDebt" id="pfis_JuniorSubordinatedDebt" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="LongTermFixedRate4.78PercentDueMarch2026Member" id="pfis_LongTermFixedRate4.78PercentDueMarch2026Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LongTermFixedRate4.08PercentDueMay2026Member" id="pfis_LongTermFixedRate4.08PercentDueMay2026Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LongTermFixedRate4.16PercentDueJune2027Member" id="pfis_LongTermFixedRate4.16PercentDueJune2027Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LongTermFixedRate4.40PercentDueAugust2027Member" id="pfis_LongTermFixedRate4.40PercentDueAugust2027Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LongTermFixedRate5.18PercentDueOctober2027Member" id="pfis_LongTermFixedRate5.18PercentDueOctober2027Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LongTermFixedRate4.45PercentDueMarch2028Member" id="pfis_LongTermFixedRate4.45PercentDueMarch2028Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CommercialMortgageBackedSecuritiesPrivateCollateralizedMortgageObligationsMember" id="pfis_CommercialMortgageBackedSecuritiesPrivateCollateralizedMortgageObligationsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FederalHomeLoanBankAdvancesOvernightMember" id="pfis_FederalHomeLoanBankAdvancesOvernightMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TrustPreferredSecuritiesMember" id="pfis_TrustPreferredSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DebtInstrumentInterestDeferralNumberOfConsecutiveQuarters" id="pfis_DebtInstrumentInterestDeferralNumberOfConsecutiveQuarters" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="EquipmentFinancingPortfolioSegmentMember" id="pfis_EquipmentFinancingPortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="OffBalanceSheetCreditLossLiabilityMergerRelatedAdjustments" id="pfis_OffBalanceSheetCreditLossLiabilityMergerRelatedAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="NumberOfCorporateDebtSecuritiesOwned" id="pfis_NumberOfCorporateDebtSecuritiesOwned" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="MarketNotActiveMember" id="pfis_MarketNotActiveMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DebtInstrumentBasisSpreadAdjustmentOnVariableRate" id="pfis_DebtInstrumentBasisSpreadAdjustmentOnVariableRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="PrivateCollateralizedMortgageObligationsMember" id="pfis_PrivateCollateralizedMortgageObligationsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LongTermFixedRate5.29PercentDueOctober2027Member" id="pfis_LongTermFixedRate5.29PercentDueOctober2027Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FederalHomeLoanBankAdvancesAndFederalReserveBankBorrowingsGrossAmount" id="pfis_FederalHomeLoanBankAdvancesAndFederalReserveBankBorrowingsGrossAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FederalHomeLoanBankAdvancesAndFederalReserveBankBorrowingsFairValueDiscount" id="pfis_FederalHomeLoanBankAdvancesAndFederalReserveBankBorrowingsFairValueDiscount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="AmortizationExpenseRelatedToAcquiredBorrowings" id="pfis_AmortizationExpenseRelatedToAcquiredBorrowings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="AccretionIncomeFromAcquiredLoans" id="pfis_AccretionIncomeFromAcquiredLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="AmortizationExpenseRelatedToAcquiredDeposits" id="pfis_AmortizationExpenseRelatedToAcquiredDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestModifiedNumberOfLoans" id="pfis_FinancingReceivableExcludingAccruedInterestModifiedNumberOfLoans" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="NonaccrualModifiedLoansMember" id="pfis_NonaccrualModifiedLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableModifiedFinancialEffectTableTextBlock" id="pfis_FinancingReceivableModifiedFinancialEffectTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="AmortizationCoreDepositAndOtherIntangibleAssets" id="pfis_AmortizationCoreDepositAndOtherIntangibleAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="AdvertisingAndCorporateBusinessDevelopmentNoninterestExpense" id="pfis_AdvertisingAndCorporateBusinessDevelopmentNoninterestExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="LongTermFixedRate3.95PercentDueOctober2026Member" id="pfis_LongTermFixedRate3.95PercentDueOctober2026Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SubordinateNotesDue2035Member" id="pfis_SubordinateNotesDue2035Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DebtInstrumentBasisSpreadOnVariableRateInBasisPoints" id="pfis_DebtInstrumentBasisSpreadOnVariableRateInBasisPoints" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="OtherAssetsTable" id="pfis_OtherAssetsTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="OtherAssetsLineItems" id="pfis_OtherAssetsLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LongTermFixedRate3.98PercentDueAugust2026Member" id="pfis_LongTermFixedRate3.98PercentDueAugust2026Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LongTermFixedRate4.01PercentDueJuly2027Member" id="pfis_LongTermFixedRate4.01PercentDueJuly2027Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="RestrictedStockAndRestrictedStockUnitsRSUInAggregateIssued2025Member" id="pfis_RestrictedStockAndRestrictedStockUnitsRSUInAggregateIssued2025Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="RestrictedStockAndRestrictedStockUnitsRSUInAggregateIssued2024Member" id="pfis_RestrictedStockAndRestrictedStockUnitsRSUInAggregateIssued2024Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="RestrictedStockAndRestrictedStockUnitsRSUInAggregateIssued2023Member" id="pfis_RestrictedStockAndRestrictedStockUnitsRSUInAggregateIssued2023Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="InterestRateElectionFromJune152030ExcludingMaturityDateOrEarlyRedemptionDateMember" id="pfis_InterestRateElectionFromJune152030ExcludingMaturityDateOrEarlyRedemptionDateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LongTermFixedRate3.51PercentDueMarch2027Member" id="pfis_LongTermFixedRate3.51PercentDueMarch2027Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LongTermFixedRate3.61PercentDueNovember2027Member" id="pfis_LongTermFixedRate3.61PercentDueNovember2027Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PaymentsToAcquireEquitySecuritiesWithoutReadilyDeterminableFairValue" id="pfis_PaymentsToAcquireEquitySecuritiesWithoutReadilyDeterminableFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DebtSecuritiesAvailableForSaleSold" id="pfis_DebtSecuritiesAvailableForSaleSold" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="LongTermFixedRate3.89PercentDueMarch2027Member" id="pfis_LongTermFixedRate3.89PercentDueMarch2027Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LongTermFixedRate3.95PercentDueJanuary2028Member" id="pfis_LongTermFixedRate3.95PercentDueJanuary2028Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="O2026Q2DividendsMember" id="pfis_O2026Q2DividendsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="BankShareTaxExpense" id="pfis_BankShareTaxExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodPerDirector" id="pfis_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodPerDirector" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FncbMergerMember" id="pfis_FncbMergerMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="StockIssuedDuringPeriodValueIssuanceCosts" id="pfis_StockIssuedDuringPeriodValueIssuanceCosts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ShareBasedPaymentArrangementValueSharesWithheldForTaxWithholdingObligation" id="pfis_ShareBasedPaymentArrangementValueSharesWithheldForTaxWithholdingObligation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="UnfundedEquityCommitmentsRelatedToLimitedPartnerships" id="pfis_UnfundedEquityCommitmentsRelatedToLimitedPartnerships" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ProjectedLowIncomeHousingTaxCreditBenefits" id="pfis_ProjectedLowIncomeHousingTaxCreditBenefits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="LowIncomeHousingTaxCreditBenefits" id="pfis_LowIncomeHousingTaxCreditBenefits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="LimitedPartnershipCommitmentsMember" id="pfis_LimitedPartnershipCommitmentsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
</xsd:schema>
