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  <element id="fraf_MaturingSeptember12030Member" name="MaturingSeptember12030Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="fraf_MaturingSeptember12035Member" name="MaturingSeptember12035Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="fraf_DebtInstrumentRedemptionPeriodSixMember" name="DebtInstrumentRedemptionPeriodSixMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="fraf_DebtInstrumentRedemptionPeriod" name="DebtInstrumentRedemptionPeriod" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="fraf_AmortizationOfSubordinateDebtIssuanceCosts" name="AmortizationOfSubordinateDebtIssuanceCosts" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit"></element>
  <element id="fraf_LoanDeferralsOrModifications" name="LoanDeferralsOrModifications" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit"></element>
  <element id="fraf_CashPaidAbstract" name="CashPaidAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration"></element>
  <element id="fraf_OtherAssetsEspeciallyMentionedMember" name="OtherAssetsEspeciallyMentionedMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="fraf_ResidentialRealEstateCommercialMember" name="ResidentialRealEstateCommercialMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="fraf_ResidentialRealEstateConsumerMember" name="ResidentialRealEstateConsumerMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="fraf_FinancingReceivableNonaccrualWithAllowance" name="FinancingReceivableNonaccrualWithAllowance" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit"></element>
  <element id="fraf_NumberOfLeasesWithVariablePaymentBasedOnIndex" name="NumberOfLeasesWithVariablePaymentBasedOnIndex" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="fraf_StandByLettersOfCreditExtensionPeriods" name="StandByLettersOfCreditExtensionPeriods" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="fraf_WealthManagementFees" name="WealthManagementFees" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit"></element>
  <element id="fraf_CollateralDependentMember" name="CollateralDependentMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="fraf_FederalHomeLoanBankAdvancesLongTermMember" name="FederalHomeLoanBankAdvancesLongTermMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="fraf_CommunityMember" name="CommunityMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="fraf_WealthMember" name="WealthMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="fraf_NumberOfLoansPledgedAsCollateral" name="NumberOfLoansPledgedAsCollateral" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="fraf_RevenueIncludingInterestIncomeAndOtherRevenue" name="RevenueIncludingInterestIncomeAndOtherRevenue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit"></element>
  <element id="fraf_ReclassificationsAbstract" name="ReclassificationsAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration"></element>
  <element id="fraf_RelatedPartyOfBankDirectorMember" name="RelatedPartyOfBankDirectorMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="fraf_CollateralDependent2Member" name="CollateralDependent2Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="fraf_AcquisitionOfTreasuryStock" name="AcquisitionOfTreasuryStock" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit"></element>
  <element id="fraf_NumberOfReportableSegmentsNotDisclosedFlag" name="NumberOfReportableSegmentsNotDisclosedFlag" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="fraf_OtherNonInterestExpenseExcludingSalariesAndBenefits" name="OtherNonInterestExpenseExcludingSalariesAndBenefits" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit"></element>
  <element id="fraf_CollateralDependentIiiMember" name="CollateralDependentIiiMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="fraf_CollateralDependentIMember" name="CollateralDependentIMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element></schema>
