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  <xs:element id="pfs_DebtSecuritiesHeldToMaturityUnrealizedLossPositionAccumulatedLossAbstract" abstract="true" name="DebtSecuritiesHeldToMaturityUnrealizedLossPositionAccumulatedLossAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="pfs_MortgagePortfolioSegmentMemberMember" abstract="true" name="MortgagePortfolioSegmentMemberMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pfs_CommercialMortgageMember" abstract="true" name="CommercialMortgageMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pfs_MultiFamilyMortgageLoanMember" abstract="true" name="MultiFamilyMortgageLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pfs_HeldForSaleLoansMember" abstract="true" name="HeldForSaleLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pfs_LessThan90DaysPastDueMember" abstract="true" name="LessThan90DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pfs_SpecialReservesMember" abstract="true" name="SpecialReservesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pfs_CommercialLoanOneMember" abstract="true" name="CommercialLoanOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pfs_CommercialLoanTwoMember" abstract="true" name="CommercialLoanTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pfs_CommercialLoanThreeMember" abstract="true" name="CommercialLoanThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pfs_CommercialLoanFourMember" abstract="true" name="CommercialLoanFourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pfs_NumberOfNonPerformingLoansAdditions" abstract="false" name="NumberOfNonPerformingLoansAdditions" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="pfs_FinanceReceivablesLoanToValueRatio" abstract="false" name="FinanceReceivablesLoanToValueRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="pfs_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruingNumberOfContracts" abstract="false" name="FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruingNumberOfContracts" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="pfs_ImpairedLoanDefinedFloorLimit" abstract="false" name="ImpairedLoanDefinedFloorLimit" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pfs_ImpairedLoansNumber" abstract="false" name="ImpairedLoansNumber" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="pfs_ConsumerPortfolioSegmentExcludingOverdraftAccountsMember" abstract="true" name="ConsumerPortfolioSegmentExcludingOverdraftAccountsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pfs_CommercialAndConsumerLoansExcludingOverdraftAccountsMember" abstract="true" name="CommercialAndConsumerLoansExcludingOverdraftAccountsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pfs_ConsumerLoansOverdraftAccountsMember" abstract="true" name="ConsumerLoansOverdraftAccountsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pfs_ChangeInPaymentTypeMember" abstract="true" name="ChangeInPaymentTypeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pfs_TotalClassifiedAndCriticizedMember" abstract="true" name="TotalClassifiedAndCriticizedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pfs_LossMember" abstract="true" name="LossMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pfs_TimeDepositsInsuredCashSweep" abstract="false" name="TimeDepositsInsuredCashSweep" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pfs_CertificateOfDepositAccountRegistryServiceTimeDeposit" abstract="false" name="CertificateOfDepositAccountRegistryServiceTimeDeposit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pfs_TimeDepositsBrokered" abstract="false" name="TimeDepositsBrokered" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pfs_FederalHomeLoanBankLineOfCredit" abstract="false" name="FederalHomeLoanBankLineOfCredit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pfs_PurchaseAccountingAdjustmentOnBorrowedFunds" abstract="false" name="PurchaseAccountingAdjustmentOnBorrowedFunds" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pfs_AmortizationRelatedToPurchaseAccountingOnFHLBAdvances" abstract="false" name="AmortizationRelatedToPurchaseAccountingOnFHLBAdvances" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pfs_FederalHomeLoamBankAdvanceAndLineOfCreditMaturityYearOne" abstract="false" name="FederalHomeLoamBankAdvanceAndLineOfCreditMaturityYearOne" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pfs_FederalHomeLoamBankAdvanceAndLineOfCreditMaturityYearTwo" abstract="false" name="FederalHomeLoamBankAdvanceAndLineOfCreditMaturityYearTwo" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pfs_FederalHomeLoamBankAdvanceAndLineOfCreditMaturityYearThree" abstract="false" name="FederalHomeLoamBankAdvanceAndLineOfCreditMaturityYearThree" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pfs_FederalHomeLoamBankAdvanceAndLineOfCreditMaturityYearFour" abstract="false" name="FederalHomeLoamBankAdvanceAndLineOfCreditMaturityYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pfs_FederalHomeLoamBankAdvanceAndLineOfCreditMaturityAfterYearFour" abstract="false" name="FederalHomeLoamBankAdvanceAndLineOfCreditMaturityAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pfs_FederalHomeLoanBankAdvanceFederalReserveBankAndOvernightBorrowings" abstract="false" name="FederalHomeLoanBankAdvanceFederalReserveBankAndOvernightBorrowings" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pfs_MaximumBalanceBorrowedFundsAbstract" abstract="true" name="MaximumBalanceBorrowedFundsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="pfs_SecuritiesSoldUnderRepurchaseAgreementsMaximumBalance" abstract="false" name="SecuritiesSoldUnderRepurchaseAgreementsMaximumBalance" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pfs_AverageBalanceBorrowedDebtAbstract" abstract="true" name="AverageBalanceBorrowedDebtAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="pfs_SecuritiesSoldUnderRepurchaseAgreementsAverageBalance" abstract="false" name="SecuritiesSoldUnderRepurchaseAgreementsAverageBalance" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pfs_WeightedAverageInterestRateBorrowedFundsAbstract" abstract="true" name="WeightedAverageInterestRateBorrowedFundsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="pfs_SecuritiesSoldUnderRepurchaseAgreementsWeightedAverageInterestRate" abstract="false" name="SecuritiesSoldUnderRepurchaseAgreementsWeightedAverageInterestRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="pfs_LineOfCreditFacilityWeightedAverageInterestRate" abstract="false" name="LineOfCreditFacilityWeightedAverageInterestRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="pfs_DefinedBenefitPlanAgeAttainedForCoverage" abstract="false" name="DefinedBenefitPlanAgeAttainedForCoverage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="pfs_ServicePeriodForEmployeesOfCoverageAge" abstract="false" name="ServicePeriodForEmployeesOfCoverageAge" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="pfs_DefinedBenefitPlanPercentageVested" abstract="false" name="DefinedBenefitPlanPercentageVested" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="pfs_ServicePeriodEliminationsOfRetireeBenefits" abstract="false" name="ServicePeriodEliminationsOfRetireeBenefits" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="pfs_ImpairedLoansMeasurementInput" abstract="false" name="ImpairedLoansMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="pfs_ForeclosedAssetsMeasurementInput" abstract="false" name="ForeclosedAssetsMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="pfs_FinancialAssetsAbstract" abstract="true" name="FinancialAssetsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="pfs_FinancialLiabilitiesAbstract" abstract="true" name="FinancialLiabilitiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="pfs_DerivativeCounterpartyNumber" abstract="false" name="DerivativeCounterpartyNumber" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="pfs_ProductsAndServicesRevenueNotFromContractsWithCustomerMember" abstract="true" name="ProductsAndServicesRevenueNotFromContractsWithCustomerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pfs_WealthManagementFeesMember" abstract="true" name="WealthManagementFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pfs_InsuranceCommissionsAndFeesMember" abstract="true" name="InsuranceCommissionsAndFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pfs_RevenueFromContractWithCustomerNumberOfRevenueStreamCategories" abstract="false" name="RevenueFromContractWithCustomerNumberOfRevenueStreamCategories" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="pfs_LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" abstract="false" name="LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pfs_ReportableSegmentMember" abstract="true" name="ReportableSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pfs_InterestIncomeOnCashAndDebtSecurities" abstract="false" name="InterestIncomeOnCashAndDebtSecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
