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  <xsd:element name="VanguardTargetRetirementIncomeMember" id="cbu_VanguardTargetRetirementIncomeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="VanguardTotalBondIndexAdmiralMember" id="cbu_VanguardTotalBondIndexAdmiralMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NeubergerBermanSmallCapGrowthTrustFundMember" id="cbu_NeubergerBermanSmallCapGrowthTrustFundMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CommunityFinancialSystemIncCommonStockMember" id="cbu_CommunityFinancialSystemIncCommonStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="HbTMetlifeStableValueFundR0Member" id="cbu_HbTMetlifeStableValueFundR0Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CharlesSchwabIdaAccountMember" id="cbu_CharlesSchwabIdaAccountMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanSponsorMember" id="cbu_EmployeeBenefitPlanSponsorMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanSubsidiaryMember" id="cbu_EmployeeBenefitPlanSubsidiaryMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployerBenefitPlanAdministrativeFeesPaid" id="cbu_EmployerBenefitPlanAdministrativeFeesPaid" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="VanguardMember" id="cbu_VanguardMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="JpMorganMember" id="cbu_JpMorganMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EbpReconciliationToForm5500NetAssetAvailableForBenefitAllowanceForNotesReceivableFromParticipants" id="cbu_EbpReconciliationToForm5500NetAssetAvailableForBenefitAllowanceForNotesReceivableFromParticipants" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitReserveForDeemedDistribution" id="cbu_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitReserveForDeemedDistribution" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="EmployeeBenefitPlanAutomaticIncreaseInParticipantContributionTrancheOneMember" id="cbu_EmployeeBenefitPlanAutomaticIncreaseInParticipantContributionTrancheOneMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanAutomaticIncreaseInParticipantContributionTrancheTwoMember" id="cbu_EmployeeBenefitPlanAutomaticIncreaseInParticipantContributionTrancheTwoMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanMinimumAgeForPlanEligibility" id="cbu_EmployeeBenefitPlanMinimumAgeForPlanEligibility" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanMinimumServicePeriodForPlanEligibility" id="cbu_EmployeeBenefitPlanMinimumServicePeriodForPlanEligibility" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanParticipantContributionAutomaticIncreaseInDeferralRate" id="cbu_EmployeeBenefitPlanParticipantContributionAutomaticIncreaseInDeferralRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanContributionByEmployeeTrancheOneMember" id="cbu_EmployeeBenefitPlanContributionByEmployeeTrancheOneMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanContributionByEmployeeTrancheTwoMember" id="cbu_EmployeeBenefitPlanContributionByEmployeeTrancheTwoMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanEmployerContributionMatching" id="cbu_EmployeeBenefitPlanEmployerContributionMatching" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="EmployeeBenefitPlanAdditionalEmployerContributions" id="cbu_EmployeeBenefitPlanAdditionalEmployerContributions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="EmployeeBenefitPlanEmployerContributionMatchingVestingPercentage" id="cbu_EmployeeBenefitPlanEmployerContributionMatchingVestingPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanEmployerContributionMatchingVestingPeriod" id="cbu_EmployeeBenefitPlanEmployerContributionMatchingVestingPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanAdditionalEmployerContributionVestingPercentage" id="cbu_EmployeeBenefitPlanAdditionalEmployerContributionVestingPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanAdditionalEmployerContributionVestingPeriod" id="cbu_EmployeeBenefitPlanAdditionalEmployerContributionVestingPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanNoteReceivableFromParticipantBasisSpreadOnPrimeRate" id="cbu_EmployeeBenefitPlanNoteReceivableFromParticipantBasisSpreadOnPrimeRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanParticipantNormalRetirementAge" id="cbu_EmployeeBenefitPlanParticipantNormalRetirementAge" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanParticipantYearsOfServiceCompleted" id="cbu_EmployeeBenefitPlanParticipantYearsOfServiceCompleted" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanVestingPercentageInEventOfTermination" id="cbu_EmployeeBenefitPlanVestingPercentageInEventOfTermination" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployerBenefitPlanMaximumAgeOfParticipantForPaymentDeferral" id="cbu_EmployerBenefitPlanMaximumAgeOfParticipantForPaymentDeferral" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanHardshipWithdrawalPercentageOnEmployeeContributions" id="cbu_EmployeeBenefitPlanHardshipWithdrawalPercentageOnEmployeeContributions" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanInvestmentsAbstract" id="cbu_EmployeeBenefitPlanInvestmentsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanInvestmentsTextBlock" id="cbu_EmployeeBenefitPlanInvestmentsTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanInvestmentTotalReturnPercentage" id="cbu_EmployeeBenefitPlanInvestmentTotalReturnPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeesBenefitPlanAccountBalancesOfInactiveAccounts" id="cbu_EmployeesBenefitPlanAccountBalancesOfInactiveAccounts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="EmployeeBenefitPlanInactiveAccountsPolicyTextBlock" id="cbu_EmployeeBenefitPlanInactiveAccountsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanPlanProvisionsPolicyTextBlock" id="cbu_EmployeeBenefitPlanPlanProvisionsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanValuationAllowancePolicyTextBlock" id="cbu_EmployeeBenefitPlanValuationAllowancePolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ResidentialLoansMember" id="cbu_ResidentialLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ReservePlusLoansMember" id="cbu_ReservePlusLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DfaEmergingMarketsCoreEquityMember" id="cbu_DfaEmergingMarketsCoreEquityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="T.RowePriceDivMidCapGrowthFundIMember" id="cbu_T.RowePriceDivMidCapGrowthFundIMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="T.RowePriceSpectrumModAllocFundIMember" id="cbu_T.RowePriceSpectrumModAllocFundIMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="VanguardTargetRetirement2065Member" id="cbu_VanguardTargetRetirement2065Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="VanguardTargetRetirement2070Member" id="cbu_VanguardTargetRetirement2070Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanQualifiedNonElectiveContribution" id="cbu_EmployeeBenefitPlanQualifiedNonElectiveContribution" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="EmployeeBenefitPlanMaximumVestedBalanceForSingleLumpSumPayment" id="cbu_EmployeeBenefitPlanMaximumVestedBalanceForSingleLumpSumPayment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="EmployeeBenefitPlanMinimumVestedBalanceForSingleLumpSumPayment" id="cbu_EmployeeBenefitPlanMinimumVestedBalanceForSingleLumpSumPayment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="EmployeeBenefitPlanParticipantDirectedWithdrawalsProcessingPeriod" id="cbu_EmployeeBenefitPlanParticipantDirectedWithdrawalsProcessingPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanInvestmentCreditingInterestPercentage" id="cbu_EmployeeBenefitPlanInvestmentCreditingInterestPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
</xsd:schema>
