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  <xsd:element id="fmnb_EBPAutomaticEnrollmentAnnualIncreasePercentage" name="EBPAutomaticEnrollmentAnnualIncreasePercentage" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="fmnb_EBPAutomaticEnrollmentMaxPercentagePerEmployee" name="EBPAutomaticEnrollmentMaxPercentagePerEmployee" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="fmnb_EBPAutomaticEnrollmentStartingPercentagePerEmployee" name="EBPAutomaticEnrollmentStartingPercentagePerEmployee" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="fmnb_EBPFullyBenefitResponsiveInvestmentContractActualAverageYield" name="EBPFullyBenefitResponsiveInvestmentContractActualAverageYield" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="fmnb_EBPFullyBenefitResponsiveInvestmentContractAverageYield" name="EBPFullyBenefitResponsiveInvestmentContractAverageYield" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="fmnb_EBPMinimumAgeOfParticipants" name="EBPMinimumAgeOfParticipants" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant"/>
  <xsd:element id="fmnb_EBPMinimumDaysOfService" name="EBPMinimumDaysOfService" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
  <xsd:element id="fmnb_EBPNoteReceivableFromParticipantTerm" name="EBPNoteReceivableFromParticipantTerm" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
  <xsd:element id="fmnb_EBPParticipantContributionPretaxMinimumAnnualCompensationToTotalCompensationPercentage" name="EBPParticipantContributionPretaxMinimumAnnualCompensationToTotalCompensationPercentage" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="duration"/>
  <xsd:element id="fmnb_EBPPlanTerminationVestingPercentage" name="EBPPlanTerminationVestingPercentage" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="fmnb_EBPReconciliationToForm5500ChangeInNetAssetAvailableForBenefitCurrentPeriodIncreaseFromDeemedDistribution" name="EBPReconciliationToForm5500ChangeInNetAssetAvailableForBenefitCurrentPeriodIncreaseFromDeemedDistribution" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="fmnb_EBPReconciliationToForm5500ChangeInNetAssetAvailableForBenefitPriorPeriodDecreaseFromDeemedDistribution" name="EBPReconciliationToForm5500ChangeInNetAssetAvailableForBenefitPriorPeriodDecreaseFromDeemedDistribution" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="fmnb_EBPScheduleOfVestingTableTextBlock" name="EBPScheduleOfVestingTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="fmnb_EBPVestedPercentage" name="EBPVestedPercentage" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="fmnb_EmployeeBenefitPlanUnrealizedAppreciationDepreciation" name="EmployeeBenefitPlanUnrealizedAppreciationDepreciation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="fmnb_EmpowerAnnuityInsuranceCompanyMember" name="EmpowerAnnuityInsuranceCompanyMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fmnb_EmpowerFundsMember" name="EmpowerFundsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_EmpowerMember" name="EmpowerMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fmnb_FarmersNationalBancCorpMember" name="FarmersNationalBancCorpMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_FarmersTrustCompanyAndNationalAssociatesMember" name="FarmersTrustCompanyAndNationalAssociatesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fmnb_FidelityInvestmentsMember" name="FidelityInvestmentsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_GreaterThan2YearsButLessThan3YearsOfServiceMember" name="GreaterThan2YearsButLessThan3YearsOfServiceMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_GreaterThan3YearsButLessThan4YearsOfServiceMember" name="GreaterThan3YearsButLessThan4YearsOfServiceMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_GreaterThan4YearsButLessThan5YearsOfServiceMember" name="GreaterThan4YearsButLessThan5YearsOfServiceMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_GreaterThan5YearsButLessThan6YearsOfServiceMember" name="GreaterThan5YearsButLessThan6YearsOfServiceMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_GreaterThan6YearsOfServiceMember" name="GreaterThan6YearsOfServiceMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fmnb_InvescoMember" name="InvescoMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fmnb_JPMorganMember" name="JPMorganMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_LessThan2YearsOfServiceMember" name="LessThan2YearsOfServiceMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fmnb_MFSMember" name="MFSMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_NoteToFinancialStatementDetailsTextual" name="NoteToFinancialStatementDetailsTextual" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_NotesToFinancialStatements" name="NotesToFinancialStatements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_NotesToFinancialStatementsAbstract" name="NotesToFinancialStatementsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="fmnb_PIMCOMember" name="PIMCOMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_PolicyTable" name="PolicyTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="fmnb_ScheduleOfAssetsTextBlock" name="ScheduleOfAssetsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="fmnb_VanguardMember" name="VanguardMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-1-plan-description-tables" name="statement-statement-note-1-plan-description-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-1-plan-description-vesting-schedule-details" name="statement-statement-note-1-plan-description-vesting-schedule-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-10-reconciliation-of-financial-statements-to-form-5500-schedule-of-reconciliation-to-form-5500-details" name="statement-statement-note-10-reconciliation-of-financial-statements-to-form-5500-schedule-of-reconciliation-to-form-5500-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-10-reconciliation-of-financial-statements-to-form-5500-schedule-of-reconciliation-to-form-5500-details73550FAF-B01D-4A6D-AC92-F79CC89F3555" name="statement-statement-note-10-reconciliation-of-financial-statements-to-form-5500-schedule-of-reconciliation-to-form-5500-details73550FAF-B01D-4A6D-AC92-F79CC89F3555" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-10-reconciliation-of-financial-statements-to-form-5500-tables" name="statement-statement-note-10-reconciliation-of-financial-statements-to-form-5500-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-3-fair-value-measurement-schedule-of-assets-at-fair-value-details" name="statement-statement-note-3-fair-value-measurement-schedule-of-assets-at-fair-value-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-3-fair-value-measurement-schedule-of-assets-at-fair-value-details1DE03D53-C36B-4521-A9AC-670C67ABAE54" name="statement-statement-note-3-fair-value-measurement-schedule-of-assets-at-fair-value-details1DE03D53-C36B-4521-A9AC-670C67ABAE54" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-3-fair-value-measurement-tables" name="statement-statement-note-3-fair-value-measurement-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-schedule-h-line-4i-schedule-of-assets-held-at-end-of-year-2-2-details" name="statement-statement-schedule-h-line-4i-schedule-of-assets-held-at-end-of-year-2-2-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-schedule-h-line-4i-schedule-of-assets-held-at-end-of-year-2-details" name="statement-statement-schedule-h-line-4i-schedule-of-assets-held-at-end-of-year-2-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-schedule-h-line-4i-tables" name="statement-statement-schedule-h-line-4i-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_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>
