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  <xsd:element id="fxnc_FinancingReceivableCollateralDependentLoansTableTextBlock" name="FinancingReceivableCollateralDependentLoansTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="fxnc_FinancingReceivableNonaccrualWithAllowance" name="FinancingReceivableNonaccrualWithAllowance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="fxnc_FinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock" name="FinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="fxnc_FinancingReceivablesAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" name="FinancingReceivablesAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="fxnc_FinitelivedIntangibleAssetExpectedAmortizationAfterYearFour" name="FinitelivedIntangibleAssetExpectedAmortizationAfterYearFour" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="fxnc_FirstNationalCorporation2014StockIncentivePlanMember" name="FirstNationalCorporation2014StockIncentivePlanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fxnc_IncreaseDecreaseInDemandDepositsAndSavingsAccounts" name="IncreaseDecreaseInDemandDepositsAndSavingsAccounts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="fxnc_InterestAndFeeIncomeExpenseFinancingReceivable" name="InterestAndFeeIncomeExpenseFinancingReceivable" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_InterestRateSwapOneMember" name="InterestRateSwapOneMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_InterestRateSwapTwoMember" name="InterestRateSwapTwoMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fxnc_InternetBankingExpense" name="InternetBankingExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="fxnc_InvestmentManagementExpense" name="InvestmentManagementExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="fxnc_JuniorSubordinatedDebtFairValueDisclosure" name="JuniorSubordinatedDebtFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="fxnc_LoansAcquiredThroughBusinessCombinationsMember" name="LoansAcquiredThroughBusinessCombinationsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fxnc_MiscellaneousOperatingGainsLosses" name="MiscellaneousOperatingGainsLosses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_MoodysA1a2a3RatingMember" name="MoodysA1a2a3RatingMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_MoodysAa1aa2aa3RatingMember" name="MoodysAa1aa2aa3RatingMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
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  <xsd:element abstract="true" id="fxnc_NonRealEstateMember" name="NonRealEstateMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fxnc_NoninterestIncomeExcludingRevenueFromContactWithCustomer" name="NoninterestIncomeExcludingRevenueFromContactWithCustomer" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_NotRatedAgencyMember" name="NotRatedAgencyMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_NoteToFinancialStatementDetailsTextual" name="NoteToFinancialStatementDetailsTextual" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_NotesToFinancialStatements" name="NotesToFinancialStatements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_NotesToFinancialStatementsAbstract" name="NotesToFinancialStatementsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="fxnc_OtherComprehensiveReclassificationAdjustmentForHeldtomaturityTransferFromAvailableforsaleGainLossBeforeAdjustmentAndTax" name="OtherComprehensiveReclassificationAdjustmentForHeldtomaturityTransferFromAvailableforsaleGainLossBeforeAdjustmentAndTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_OtherNoninterestIncomeMember" name="OtherNoninterestIncomeMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_OtherRealEstateLoansMember" name="OtherRealEstateLoansMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fxnc_PaymentsForRestrictedSecurities" name="PaymentsForRestrictedSecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_PolicyTable" name="PolicyTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="fxnc_ProvisionForCreditLossesOnSecuritiesHeldtomaturity" name="ProvisionForCreditLossesOnSecuritiesHeldtomaturity" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="fxnc_ProvisionForCreditLossesOnUnfundedCommitments" name="ProvisionForCreditLossesOnUnfundedCommitments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_RealEstate1Member" name="RealEstate1Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fxnc_ScheduleOfAvailableforsaleAndHeldtomaturityReconciliationTableTextBlock" name="ScheduleOfAvailableforsaleAndHeldtomaturityReconciliationTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="fxnc_ScheduleOfNetEffectOfAmortizationAndAccretionAdjustmentAssociatedWithBusinessCombinationTableTextBlock" name="ScheduleOfNetEffectOfAmortizationAndAccretionAdjustmentAssociatedWithBusinessCombinationTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_SecuredByMultifamilyResidentialPropertiesMember" name="SecuredByMultifamilyResidentialPropertiesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_ServiceChargesOnDepositAccountsMember" name="ServiceChargesOnDepositAccountsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fxnc_SharesIssuedValueSharebasedIncentivePlanBeforeForfeiture" name="SharesIssuedValueSharebasedIncentivePlanBeforeForfeiture" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="fxnc_SubordinatedDebtFairValueDisclosure" name="SubordinatedDebtFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="fxnc_TDRLoansMember" name="TDRLoansMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_ThreeYearVestingMember" name="ThreeYearVestingMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_TouchstoneBanksharesIncMember" name="TouchstoneBanksharesIncMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_USAgencyAndMortgagebackedSecuritiesMember" name="USAgencyAndMortgagebackedSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_VestingOnFebruary152026Member" name="VestingOnFebruary152026Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_WealthManagementFeesMember" name="WealthManagementFeesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_WealthManagementMember" name="WealthManagementMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fxnc_WeightedAverageRepricingTerm" name="WeightedAverageRepricingTerm" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-10-derivative-financial-instruments-derivative-instruments-components-details" name="statement-statement-note-10-derivative-financial-instruments-derivative-instruments-components-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-10-derivative-financial-instruments-tables" name="statement-statement-note-10-derivative-financial-instruments-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-11-acquisition-schedule-of-future-amortization-expense-for-finite-lived-intangible-assets-details" name="statement-statement-note-11-acquisition-schedule-of-future-amortization-expense-for-finite-lived-intangible-assets-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-11-acquisition-schedule-of-intangible-assets-details" name="statement-statement-note-11-acquisition-schedule-of-intangible-assets-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-11-acquisitions-schedule-of-business-acquisitions-details" name="statement-statement-note-11-acquisitions-schedule-of-business-acquisitions-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-11-acquisitions-tables" name="statement-statement-note-11-acquisitions-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-12-segment-reporting-segment-performance-details" name="statement-statement-note-12-segment-reporting-segment-performance-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-12-segment-reporting-tables" name="statement-statement-note-12-segment-reporting-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-2-securities-amortized-cost-and-fair-value-of-securities-details" name="statement-statement-note-2-securities-amortized-cost-and-fair-value-of-securities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-2-securities-changes-in-the-allowance-for-credit-loss-on-held-to-maturity-securities-details" name="statement-statement-note-2-securities-changes-in-the-allowance-for-credit-loss-on-held-to-maturity-securities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-2-securities-composition-of-restricted-securities-details" name="statement-statement-note-2-securities-composition-of-restricted-securities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-2-securities-credit-quality-indicators-for-held-to-maturity-securities-details" name="statement-statement-note-2-securities-credit-quality-indicators-for-held-to-maturity-securities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-2-securities-investments-in-an-unrealized-loss-position-that-were-temporarily-impaired-details" name="statement-statement-note-2-securities-investments-in-an-unrealized-loss-position-that-were-temporarily-impaired-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-2-securities-summary-of-amortized-costs-and-fair-values-of-securities-details" name="statement-statement-note-2-securities-summary-of-amortized-costs-and-fair-values-of-securities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-2-securities-tables" name="statement-statement-note-2-securities-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-3-loans-acquired-loans-in-business-combinations-details" name="statement-statement-note-3-loans-acquired-loans-in-business-combinations-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-3-loans-analysis-of-the-credit-risk-profile-of-each-loan-class-details" name="statement-statement-note-3-loans-analysis-of-the-credit-risk-profile-of-each-loan-class-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-3-loans-summary-of-loan-classes-and-an-aging-of-past-due-loans-details" name="statement-statement-note-3-loans-summary-of-loan-classes-and-an-aging-of-past-due-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-3-loans-summary-of-loans-details" name="statement-statement-note-3-loans-summary-of-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-3-loans-tables" name="statement-statement-note-3-loans-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-4-allowance-for-credit-losses-allowance-by-impairment-methodology-and-loans-by-impairment-methodology-details" name="statement-statement-note-4-allowance-for-credit-losses-allowance-by-impairment-methodology-and-loans-by-impairment-methodology-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-4-allowance-for-credit-losses-collateral-dependent-loans-details" name="statement-statement-note-4-allowance-for-credit-losses-collateral-dependent-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-4-allowance-for-credit-losses-nonaccrual-loans-details" name="statement-statement-note-4-allowance-for-credit-losses-nonaccrual-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-4-allowance-for-credit-losses-tables" name="statement-statement-note-4-allowance-for-credit-losses-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-4-allowance-for-credit-losses-troubled-debt-restructurings-details" name="statement-statement-note-4-allowance-for-credit-losses-troubled-debt-restructurings-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-5-earnings-per-common-share-basic-and-diluted-earnings-per-share-details" name="statement-statement-note-5-earnings-per-common-share-basic-and-diluted-earnings-per-share-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-5-earnings-per-common-share-tables" name="statement-statement-note-5-earnings-per-common-share-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-6-fair-value-measurements-balances-of-assets-measured-at-fair-value-on-recurring-basis-details" name="statement-statement-note-6-fair-value-measurements-balances-of-assets-measured-at-fair-value-on-recurring-basis-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-6-fair-value-measurements-carrying-values-and-estimated-values-of-financial-instruments-details" name="statement-statement-note-6-fair-value-measurements-carrying-values-and-estimated-values-of-financial-instruments-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-6-fair-value-measurements-tables" name="statement-statement-note-6-fair-value-measurements-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-7-stock-compensation-plans-summary-of-restricted-stock-unit-activity-details" name="statement-statement-note-7-stock-compensation-plans-summary-of-restricted-stock-unit-activity-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-7-stock-compensation-plans-tables" name="statement-statement-note-7-stock-compensation-plans-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-8-accumulated-other-comprehensive-income-loss-changes-in-each-component-of-accumulated-other-comprehensive-income-loss-details" name="statement-statement-note-8-accumulated-other-comprehensive-income-loss-changes-in-each-component-of-accumulated-other-comprehensive-income-loss-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-8-accumulated-other-comprehensive-income-loss-changes-in-each-component-of-accumulated-other-comprehensive-income-loss-details-parentheticals" name="statement-statement-note-8-accumulated-other-comprehensive-income-loss-changes-in-each-component-of-accumulated-other-comprehensive-income-loss-details-parentheticals" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-8-accumulated-other-comprehensive-loss-tables" name="statement-statement-note-8-accumulated-other-comprehensive-loss-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-9-revenue-recognition-disaggregation-of-revenue-details" name="statement-statement-note-9-revenue-recognition-disaggregation-of-revenue-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-note-9-revenue-recognition-tables" name="statement-statement-note-9-revenue-recognition-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fxnc_statement-statement-significant-accounting-policies-policies" name="statement-statement-significant-accounting-policies-policies" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
</xsd:schema>
