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  <xs:element name="AgriculturalMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="czfs_AgriculturalMember"/>
  <xs:element name="AgriculturalRealEstateLoansMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="czfs_AgriculturalRealEstateLoansMember"/>
  <xs:element name="AppraisedCollateralValuesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="czfs_AppraisedCollateralValuesMember"/>
  <xs:element name="AutomatedTellerMachineIncomeMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="czfs_AutomatedTellerMachineIncomeMember"/>
  <xs:element name="BusinessAssetsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="czfs_BusinessAssetsMember"/>
  <xs:element name="CollateralDependentLoansMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="czfs_CollateralDependentLoansMember"/>
  <xs:element name="CommunityBankingMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="czfs_CommunityBankingMember"/>
  <xs:element name="ConsumerResidentialMortgagesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="czfs_ConsumerResidentialMortgagesMember"/>
  <xs:element name="FinancialAsset30To89DaysPastDueMemberMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="czfs_FinancialAsset30To89DaysPastDueMemberMember"/>
  <xs:element name="FinancialAssetCurrentMemberMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="czfs_FinancialAssetCurrentMemberMember"/>
  <xs:element name="InterchangeRevenueMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="czfs_InterchangeRevenueMember"/>
  <xs:element name="MortgageHomeEquityAndConsumerMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="czfs_MortgageHomeEquityAndConsumerMember"/>
  <xs:element name="OtherAgriculturalLoansMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="czfs_OtherAgriculturalLoansMember"/>
  <xs:element name="OtherRealEstateOwnedMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="czfs_OtherRealEstateOwnedMember"/>
  <xs:element name="OverdraftFeesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="czfs_OverdraftFeesMember"/>
  <xs:element name="PublicFundsOtherDepositAndBorrowingsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="czfs_PublicFundsOtherDepositAndBorrowingsMember"/>
  <xs:element name="RealEstateLoansMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="czfs_RealEstateLoansMember"/>
  <xs:element name="ServiceChargesOnDepositAccountsOtherMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="czfs_ServiceChargesOnDepositAccountsOtherMember"/>
  <xs:element name="StateAndPoliticalSubdivisionLoansMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="czfs_StateAndPoliticalSubdivisionLoansMember"/>
  <xs:element name="StatementFeesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="czfs_StatementFeesMember"/>
  <xs:element name="TotalLoansExcludingResidentialAndConsumerLoansMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="czfs_TotalLoansExcludingResidentialAndConsumerLoansMember"/>
  <xs:element name="IndefiniteLivedIntangibleAssetsNetAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="czfs_IndefiniteLivedIntangibleAssetsNetAbstract"/>
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  <xs:element name="DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="czfs_DocumentAndEntityInformationAbstract"/>
</xs:schema>
