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  <xsd:element id="avbh_InterestPayableFairValueDisclosure" name="InterestPayableFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="avbh_InterestRateReductionAndPaymentDelayMember" name="InterestRateReductionAndPaymentDelayMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_InterestRateReductionPaymentDelayAndTermExtensionMember" name="InterestRateReductionPaymentDelayAndTermExtensionMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="avbh_InterestReceivableFairValueDisclosure" name="InterestReceivableFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="avbh_LeaseBalanceSheetClassificationTableTextBlock" name="LeaseBalanceSheetClassificationTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="avbh_LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" name="LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="avbh_NonaccrualMember" name="NonaccrualMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="avbh_NoninterestInvestmentIncome" name="NoninterestInvestmentIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_NoteToFinancialStatementDetailsTextual" name="NoteToFinancialStatementDetailsTextual" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_NotesToFinancialStatements" name="NotesToFinancialStatements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_NotesToFinancialStatementsAbstract" name="NotesToFinancialStatementsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_OtherCollateralPledgedMember" name="OtherCollateralPledgedMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="avbh_OtherSundryNoninterestExpenses" name="OtherSundryNoninterestExpenses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="avbh_OverdrawnDeposits" name="OverdrawnDeposits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="avbh_PastDueAndNonaccrualMember" name="PastDueAndNonaccrualMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_PaymentDelayAndExtendedMaturityMember" name="PaymentDelayAndExtendedMaturityMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_PercentageOfTotalDepositsMember" name="PercentageOfTotalDepositsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_PrincipalForgivenessInterestRateReductionPaymentDelayAndTermExtensionMember" name="PrincipalForgivenessInterestRateReductionPaymentDelayAndTermExtensionMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="avbh_ProceedsFromIssuanceOfRestrictedStock" name="ProceedsFromIssuanceOfRestrictedStock" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="avbh_ReceivablesUnamortizedIssuanceCosts" name="ReceivablesUnamortizedIssuanceCosts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="avbh_RegulatoryAssessments" name="RegulatoryAssessments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="avbh_RepaymentOfOperatingLeaseLiabilities" name="RepaymentOfOperatingLeaseLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="avbh_ServiceChargesFeesAndOtherIncome" name="ServiceChargesFeesAndOtherIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="avbh_ShareRepurchaseProgramAuthorizedPercentageOfStockOutstanding" name="ShareRepurchaseProgramAuthorizedPercentageOfStockOutstanding" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="avbh_ShareRepurchaseProgramMember" name="ShareRepurchaseProgramMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_SubstandardNonaccrualMember" name="SubstandardNonaccrualMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="avbh_SupplementalLeaseInformationTableTextBlock" name="SupplementalLeaseInformationTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="avbh_TimeDepositMaturitiesYearFourAndAfter" name="TimeDepositMaturitiesYearFourAndAfter" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="avbh_UninsuredDepositsMember" name="UninsuredDepositsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="avbh_WarrantAndSuccessFeeIncome" name="WarrantAndSuccessFeeIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-11-other-expenses-schedule-of-other-expenses-details" name="statement-statement-note-11-other-expenses-schedule-of-other-expenses-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-11-other-expenses-tables" name="statement-statement-note-11-other-expenses-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-12-fair-value-assets-measured-on-recurring-basis-details" name="statement-statement-note-12-fair-value-assets-measured-on-recurring-basis-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-12-fair-value-schedule-of-assets-and-liabilities-at-fair-value-details" name="statement-statement-note-12-fair-value-schedule-of-assets-and-liabilities-at-fair-value-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-12-fair-value-tables" name="statement-statement-note-12-fair-value-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-14-revenue-from-contracts-with-clients-disaggregation-of-revenue-from-clients-details" name="statement-statement-note-14-revenue-from-contracts-with-clients-disaggregation-of-revenue-from-clients-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-14-revenue-from-contracts-with-clients-tables" name="statement-statement-note-14-revenue-from-contracts-with-clients-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-2-debt-securities-schedule-of-available-for-sale-securities-details" name="statement-statement-note-2-debt-securities-schedule-of-available-for-sale-securities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-2-debt-securities-schedule-of-contractual-maturities-details" name="statement-statement-note-2-debt-securities-schedule-of-contractual-maturities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-2-debt-securities-schedule-of-unrealized-losses-details" name="statement-statement-note-2-debt-securities-schedule-of-unrealized-losses-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-2-debt-securities-tables" name="statement-statement-note-2-debt-securities-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-3-loans-schedule-of-loans-details" name="statement-statement-note-3-loans-schedule-of-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_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="avbh_statement-statement-note-4-allowance-for-credit-losses-on-loans-credit-quality-information-details" name="statement-statement-note-4-allowance-for-credit-losses-on-loans-credit-quality-information-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-4-allowance-for-credit-losses-on-loans-loans-past-due-details" name="statement-statement-note-4-allowance-for-credit-losses-on-loans-loans-past-due-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-4-allowance-for-credit-losses-on-loans-modified-loans-details" name="statement-statement-note-4-allowance-for-credit-losses-on-loans-modified-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-4-allowance-for-credit-losses-on-loans-schedule-of-allowance-for-credit-losses-details" name="statement-statement-note-4-allowance-for-credit-losses-on-loans-schedule-of-allowance-for-credit-losses-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-4-allowance-for-credit-losses-on-loans-schedule-of-collateralized-loans-details" name="statement-statement-note-4-allowance-for-credit-losses-on-loans-schedule-of-collateralized-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-4-allowance-for-credit-losses-on-loans-schedule-of-nonaccrual-loans-details" name="statement-statement-note-4-allowance-for-credit-losses-on-loans-schedule-of-nonaccrual-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-4-allowance-for-credit-losses-on-loans-tables" name="statement-statement-note-4-allowance-for-credit-losses-on-loans-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-5-leases-balance-sheet-classification-details" name="statement-statement-note-5-leases-balance-sheet-classification-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-5-leases-lease-expense-details" name="statement-statement-note-5-leases-lease-expense-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-5-leases-schedule-of-future-lease-payments-details" name="statement-statement-note-5-leases-schedule-of-future-lease-payments-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-5-leases-supplemental-lease-information-details" name="statement-statement-note-5-leases-supplemental-lease-information-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-5-leases-tables" name="statement-statement-note-5-leases-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-6-deposits-deposit-maturities-details" name="statement-statement-note-6-deposits-deposit-maturities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-6-deposits-schedule-of-deposit-interest-expense-details" name="statement-statement-note-6-deposits-schedule-of-deposit-interest-expense-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-6-deposits-schedule-of-deposits-details" name="statement-statement-note-6-deposits-schedule-of-deposits-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-6-deposits-tables" name="statement-statement-note-6-deposits-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-8-shareholders-equity-earnings-per-share-details" name="statement-statement-note-8-shareholders-equity-earnings-per-share-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-8-shareholders-equity-regulatory-capital-details" name="statement-statement-note-8-shareholders-equity-regulatory-capital-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-8-shareholders-equity-tables" name="statement-statement-note-8-shareholders-equity-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-9-commitments-and-contingencies-schedule-of-off-balance-sheet-instruments-details" name="statement-statement-note-9-commitments-and-contingencies-schedule-of-off-balance-sheet-instruments-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="avbh_statement-statement-note-9-commitments-and-contingencies-tables" name="statement-statement-note-9-commitments-and-contingencies-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
</xsd:schema>
