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  <xs:element id="gabc_OtherNoninterestExpenseGross" abstract="false" name="OtherNoninterestExpenseGross" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gabc_ShareRepurchaseProgram2022Member" abstract="true" name="ShareRepurchaseProgram2022Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gabc_StockRepurchaseProgramPercentageOfCompanysOutstandingSharesAuthorizedForRepurchase" abstract="false" name="StockRepurchaseProgramPercentageOfCompanysOutstandingSharesAuthorizedForRepurchase" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="gabc_LongTermEquityIncentivePlan2019Member" abstract="true" name="LongTermEquityIncentivePlan2019Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gabc_LongTermEquityIncentivePlan2009Member" abstract="true" name="LongTermEquityIncentivePlan2009Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gabc_EmployeeStockPurchasePlan2019Member" abstract="true" name="EmployeeStockPurchasePlan2019Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gabc_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfPlans" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfPlans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="gabc_ScheduleOfShareBasedCompensationRestrictedStockAndRestrictedStockGrantDuringPeriodPercentage" abstract="false" name="ScheduleOfShareBasedCompensationRestrictedStockAndRestrictedStockGrantDuringPeriodPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="gabc_ShareBasedCompensationRestrictedStockAndRestrictedStockCashCreditEntitlementPercentage" abstract="false" name="ShareBasedCompensationRestrictedStockAndRestrictedStockCashCreditEntitlementPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="gabc_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfInstallments" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfInstallments" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="gabc_SharebasedCompensationArrangementbySharebasedPaymentAwardOfferingPeriod" abstract="false" name="SharebasedCompensationArrangementbySharebasedPaymentAwardOfferingPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="gabc_SharebasedCompensationArrangementbySharebasedPaymentAwardPurchasePricePercentageOfferingDate" abstract="false" name="SharebasedCompensationArrangementbySharebasedPaymentAwardPurchasePricePercentageOfferingDate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="gabc_LoansHeldforsaleMember" abstract="true" name="LoansHeldforsaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gabc_MortgageServicingRightsMember" abstract="true" name="MortgageServicingRightsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gabc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTable" abstract="true" name="FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="gabc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisLineItems" abstract="true" name="FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="gabc_ImpairedLoansMember" abstract="true" name="ImpairedLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gabc_LoansHeldForInvestmentMeasurementInput" abstract="false" name="LoansHeldForInvestmentMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="gabc_CarryingAmountsAndFairValuesOfFinancialInstrumentsTable" abstract="true" name="CarryingAmountsAndFairValuesOfFinancialInstrumentsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="gabc_CarryingAmountsAndFairValuesOfFinancialInstrumentsLineItems" abstract="true" name="CarryingAmountsAndFairValuesOfFinancialInstrumentsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="gabc_FinancingReceivableExcludingAccruedInterestAndImpairedAfterAllowanceForCreditLosses" abstract="false" name="FinancingReceivableExcludingAccruedInterestAndImpairedAfterAllowanceForCreditLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gabc_ATMFeesMember" abstract="true" name="ATMFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gabc_WireTransferFeesMember" abstract="true" name="WireTransferFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gabc_OtherOperatingIncomeMember" abstract="true" name="OtherOperatingIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gabc_OtherOperatingIncomeSafeDepositBoxRentalsAndOtherNonInterestRelatedFeesMember" abstract="true" name="OtherOperatingIncomeSafeDepositBoxRentalsAndOtherNonInterestRelatedFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gabc_RevenueFromContractWithCustomerExcludingAssessedTaxIncludingOtherOperatingIncome" abstract="false" name="RevenueFromContractWithCustomerExcludingAssessedTaxIncludingOtherOperatingIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gabc_LeaseWeightedAverageRemainingLeaseTermAbstract" abstract="true" name="LeaseWeightedAverageRemainingLeaseTermAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="gabc_LeaseWeightedAverageDiscountRatePercentAbstract" abstract="true" name="LeaseWeightedAverageDiscountRatePercentAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="gabc_FinanceLeasesAbstract" abstract="true" name="FinanceLeasesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="gabc_OperatingLeasesAbstract" abstract="true" name="OperatingLeasesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="gabc_CashFlowLesseeAbstract" abstract="true" name="CashFlowLesseeAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="gabc_HeartlandBancCorpMember" abstract="true" name="HeartlandBancCorpMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gabc_SynergiesAndCostSavingsMember" abstract="true" name="SynergiesAndCostSavingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="gabc_NumberOfBankingOffices" abstract="false" name="NumberOfBankingOffices" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="gabc_PaymentsToAcquireBusinessesCashForOptionsAndFractionalShares" abstract="false" name="PaymentsToAcquireBusinessesCashForOptionsAndFractionalShares" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gabc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFederalFundsSoldAndOtherShortTermInvestments" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFederalFundsSoldAndOtherShortTermInvestments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gabc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingDepositsWithBanksAndOtherFinancialInstitutions" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingDepositsWithBanksAndOtherFinancialInstitutions" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gabc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gabc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancingReceivableNet" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancingReceivableNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gabc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFederalHomeLoanBankStockAndOtherRestrictedStockAtCost" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFederalHomeLoanBankStockAndOtherRestrictedStockAtCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gabc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherRealEstate" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherRealEstate" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gabc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedBankOwnedLifeInsurance" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedBankOwnedLifeInsurance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gabc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestReceivableAndOtherAssets" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestReceivableAndOtherAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gabc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoninterestBearingDepositLiabilities" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoninterestBearingDepositLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gabc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingDepositLiabilities" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingDepositLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gabc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAdvancesFromFederalHomeLoanBanksAndOtherBorrowings" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAdvancesFromFederalHomeLoanBanksAndOtherBorrowings" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gabc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterestPayableAndOtherLiabilities" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterestPayableAndOtherLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gabc_BusinessAcquisitionProFormaInterestIncomeExpense" abstract="false" name="BusinessAcquisitionProFormaInterestIncomeExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gabc_BusinessAcquisitionProFormaNoninterestIncome" abstract="false" name="BusinessAcquisitionProFormaNoninterestIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gabc_BusinessAcquisitionProFormaFinancingReceivableCreditLossExpenseReversal" abstract="false" name="BusinessAcquisitionProFormaFinancingReceivableCreditLossExpenseReversal" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gabc_BusinessAcquisitionProFormaNoninterestExpense" abstract="false" name="BusinessAcquisitionProFormaNoninterestExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gabc_BusinessAcquisitionProFormaIncomeLossFromContinuingOperationsBeforeIncomeTaxes" abstract="false" name="BusinessAcquisitionProFormaIncomeLossFromContinuingOperationsBeforeIncomeTaxes" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="gabc_BusinessAcquisitionProFormaIncomeTaxExpenseBenefit" abstract="false" name="BusinessAcquisitionProFormaIncomeTaxExpenseBenefit" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
