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<!--Modified on: 6/23/2026 7:14:02 PM-->
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  <xsd:element name="EmployeeBenefitPlanFairValueOfFinancialInstrumentsTextBlock" id="asrv_EmployeeBenefitPlanFairValueOfFinancialInstrumentsTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanPlanTerminationAbstract" id="asrv_EmployeeBenefitPlanPlanTerminationAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanAdministrativeExpensePaidByEmployer" id="asrv_EmployeeBenefitPlanAdministrativeExpensePaidByEmployer" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="EmployeeBenefitPlanVestingPercentageInEventPlanTermination" id="asrv_EmployeeBenefitPlanVestingPercentageInEventPlanTermination" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanFederatedHermesCapitalPreservationFundMember" id="asrv_EmployeeBenefitPlanFederatedHermesCapitalPreservationFundMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NonUnionAndUnionEmployeesHiredBeforeJanuary12013AndJanuary12024RespectivelyMember" id="asrv_NonUnionAndUnionEmployeesHiredBeforeJanuary12013AndJanuary12024RespectivelyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NonUnionAndUnionEmployeesHiredOrRehiredAfterJanuary12013AndJanuary12024RespectivelyMember" id="asrv_NonUnionAndUnionEmployeesHiredOrRehiredAfterJanuary12013AndJanuary12024RespectivelyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NonUnionEmployeesHiredAfterDecember312012Member" id="asrv_NonUnionEmployeesHiredAfterDecember312012Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NonUnionEmployeesHiredOnOrDecember312012Member" id="asrv_NonUnionEmployeesHiredOnOrDecember312012Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanNumberOfMutualFunds" id="asrv_EmployeeBenefitPlanNumberOfMutualFunds" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanNumberOfCommonCollectivePortfolios" id="asrv_EmployeeBenefitPlanNumberOfCommonCollectivePortfolios" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanNumberOfMoneyMarketAndCashEquivalentFunds" id="asrv_EmployeeBenefitPlanNumberOfMoneyMarketAndCashEquivalentFunds" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanMinimumServicePeriodConsideredForCreditedServiceYear" id="asrv_EmployeeBenefitPlanMinimumServicePeriodConsideredForCreditedServiceYear" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanVestingPercentage" id="asrv_EmployeeBenefitPlanVestingPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanVestingPeriod" id="asrv_EmployeeBenefitPlanVestingPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanNoteReceivableFromParticipantTerm" id="asrv_EmployeeBenefitPlanNoteReceivableFromParticipantTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanParticipantAgeForWithdrawalFromAccountBalance" id="asrv_EmployeeBenefitPlanParticipantAgeForWithdrawalFromAccountBalance" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanMaximumBreakInServicePeriod" id="asrv_EmployeeBenefitPlanMaximumBreakInServicePeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanMinimumAgeForPlanEligibility" id="asrv_EmployeeBenefitPlanMinimumAgeForPlanEligibility" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanMinimumServicePeriodForPlanEligibility" id="asrv_EmployeeBenefitPlanMinimumServicePeriodForPlanEligibility" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanMinimumServicePeriodForDiscretionaryEmployerContribution" id="asrv_EmployeeBenefitPlanMinimumServicePeriodForDiscretionaryEmployerContribution" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanComputationPeriodForMinimumServicePeriod" id="asrv_EmployeeBenefitPlanComputationPeriodForMinimumServicePeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanSponsorMember" id="asrv_EmployeeBenefitPlanSponsorMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanEmployerContributionParticipantCompensationNonElectiveContributionPercentage" id="asrv_EmployeeBenefitPlanEmployerContributionParticipantCompensationNonElectiveContributionPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanEmployeeContributionIncrementalPercentage" id="asrv_EmployeeBenefitPlanEmployeeContributionIncrementalPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseFromPaymentToDefaultedParticipantLoans" id="asrv_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseFromPaymentToDefaultedParticipantLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
</xsd:schema>
