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  <xsd:element name="OtherTime" id="fkys_OtherTime" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="FederalDiscountWindowMember" id="fkys_FederalDiscountWindowMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FederalHomeLoanBankMember" id="fkys_FederalHomeLoanBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RemainingContractualMaturityOfRepurchaseAgreements" id="fkys_RemainingContractualMaturityOfRepurchaseAgreements" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="PerformanceStandbyLettersOfCreditMember" id="fkys_PerformanceStandbyLettersOfCreditMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansReceivableSecureByCommercialAndResidentialRealEstate" id="fkys_LoansReceivableSecureByCommercialAndResidentialRealEstate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="LoansReceivablePercentageOfLoansSecureByCommercialAndResidentialRealEstate" id="fkys_LoansReceivablePercentageOfLoansSecureByCommercialAndResidentialRealEstate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="FairValueInputsComparabilityAdjustmentsPercentage" id="fkys_FairValueInputsComparabilityAdjustmentsPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FairValuesMeasurementValuationsTechniques" id="fkys_FairValuesMeasurementValuationsTechniques" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InterestBearingDepositsInOtherBanksFairValue" id="fkys_InterestBearingDepositsInOtherBanksFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="CoreDepositsFairValueDisclosure" id="fkys_CoreDepositsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="TimeDepositsFairValueDisclosure" id="fkys_TimeDepositsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="ImpairedLoanBalanceThatRequireAppraisalForImpairedLoanValuationProcedure" id="fkys_ImpairedLoanBalanceThatRequireAppraisalForImpairedLoanValuationProcedure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="ImpairedLoanBalanceThatRequireAnnualBankCertificateOfInspection" id="fkys_ImpairedLoanBalanceThatRequireAnnualBankCertificateOfInspection" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="TrustAssetsFairValueDisclosure" id="fkys_TrustAssetsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="BankingFacilitiesMember" id="fkys_BankingFacilitiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NumberOfOperatingLeases" id="fkys_NumberOfOperatingLeases" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivableModificationsUnfundedCommitments" id="fkys_FinancingReceivableModificationsUnfundedCommitments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="LoansAndLeasesReceivableHeldForInvestmentNetOfDeferredIncome" id="fkys_LoansAndLeasesReceivableHeldForInvestmentNetOfDeferredIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="TermOfLoanOffering" id="fkys_TermOfLoanOffering" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MaximumLoanToValueRatio" id="fkys_MaximumLoanToValueRatio" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoanPaymentsDelinquencyPeriodBeyondWhichLoansAreConsideredPastDue" id="fkys_LoanPaymentsDelinquencyPeriodBeyondWhichLoansAreConsideredPastDue" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoanPaymentsDelinquencyPeriodAtWhichTimeDelinquencyNoticeIsAutomaticallyGenerated" id="fkys_LoanPaymentsDelinquencyPeriodAtWhichTimeDelinquencyNoticeIsAutomaticallyGenerated" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RestrictedInvestmentInCorrespondentBankStock" id="fkys_RestrictedInvestmentInCorrespondentBankStock" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="FederalDepositInsuranceCorporationPremiumExpenseIncome" id="fkys_FederalDepositInsuranceCorporationPremiumExpenseIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="RestrictedInvestmentInCorrespondentBankStockFairValueDisclosure" id="fkys_RestrictedInvestmentInCorrespondentBankStockFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="GovernmentGuaranteedLoans" id="fkys_GovernmentGuaranteedLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="ConcentrationRiskCreditRiskFinancialInstrumentOffBalanceSheetRisk" id="fkys_ConcentrationRiskCreditRiskFinancialInstrumentOffBalanceSheetRisk" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="ObligationsOfUsGovernmentCorporationsAndAgenciesMortgageBackedMember" id="fkys_ObligationsOfUsGovernmentCorporationsAndAgenciesMortgageBackedMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="BasisOfPresentationSummaryOfSignificantAccountingPoliciesAndSubsequentEventsTextBlock" id="fkys_BasisOfPresentationSummaryOfSignificantAccountingPoliciesAndSubsequentEventsTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MaximumLoanToValueRatioPrimaryMortgageInsurance" id="fkys_MaximumLoanToValueRatioPrimaryMortgageInsurance" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="MortgageBackedObligationsOfUsGovernmentCorporationsAndAgenciesMember" id="fkys_MortgageBackedObligationsOfUsGovernmentCorporationsAndAgenciesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherMortgageBackedDebtSecuritiesMember" id="fkys_OtherMortgageBackedDebtSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="HomeEquityLineOfCreditMember" id="fkys_HomeEquityLineOfCreditMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivableCurrentAnd29DaysPastDue" id="fkys_FinancingReceivableCurrentAnd29DaysPastDue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="WeightedAverageTermAndDiscountRatesForLeasesTableTextBlock" id="fkys_WeightedAverageTermAndDiscountRatesForLeasesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MinimumPeriodOfTimeGivenToRedeemNotes" id="fkys_MinimumPeriodOfTimeGivenToRedeemNotes" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ImpairedLoansReceivableCollateralDependentMember" id="fkys_ImpairedLoansReceivableCollateralDependentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RightOfUseAssetObtainedInExchangeForOperatingOrFinanceLeaseLiability" id="fkys_RightOfUseAssetObtainedInExchangeForOperatingOrFinanceLeaseLiability" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="AppraisalOfCollateralCertificateOfInspectionMember" id="fkys_AppraisalOfCollateralCertificateOfInspectionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoanPaymentsDelinquencyPeriodBeyondWhichLoansAreConsideredNonAccrual" id="fkys_LoanPaymentsDelinquencyPeriodBeyondWhichLoansAreConsideredNonAccrual" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IrrevocableStandbyLetterOfCreditMember" id="fkys_IrrevocableStandbyLetterOfCreditMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SecuritiesPledgedForFederalHomeLoanBankLoansAndLetterOfCreditFacilities" id="fkys_SecuritiesPledgedForFederalHomeLoanBankLoansAndLetterOfCreditFacilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="FinancialAssetPastDueEqualToOrGreaterThan30DaysMember" id="fkys_FinancialAssetPastDueEqualToOrGreaterThan30DaysMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableTroubledDebtRestructuringSubsequentDefaultNumberOfLoans" id="fkys_FinancingReceivableTroubledDebtRestructuringSubsequentDefaultNumberOfLoans" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="SallieMaeBankSecuritiesMember" id="fkys_SallieMaeBankSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NumberOfTDRsNotInComplianceWithTheirTerms" id="fkys_NumberOfTDRsNotInComplianceWithTheirTerms" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="SecuritiesHoldingsConcentrationRiskMember" id="fkys_SecuritiesHoldingsConcentrationRiskMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LoansIndividuallyEvaluatedForImpairmentMember" id="fkys_LoansIndividuallyEvaluatedForImpairmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LoansCollectivelyEvaluatedForImpairmentMember" id="fkys_LoansCollectivelyEvaluatedForImpairmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="RealEstateLoansMember" id="fkys_RealEstateLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AgriculturalLoansMember" id="fkys_AgriculturalLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="StateAndPoliticalSubdivisionsMember" id="fkys_StateAndPoliticalSubdivisionsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CommercialAndIndustrialPortfolioSegmentMember" id="fkys_CommercialAndIndustrialPortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ConsumerLendingPortfolioSegmentMember" id="fkys_ConsumerLendingPortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ScheduleOfFinancialReceivablesCollateralDependentTableTextBlock" id="fkys_ScheduleOfFinancialReceivablesCollateralDependentTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="OtherAssetsUsedAsCollateralMember" id="fkys_OtherAssetsUsedAsCollateralMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ProvisionCreditForCreditLossesOnUnfundedCommitments" id="fkys_ProvisionCreditForCreditLossesOnUnfundedCommitments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesInLossPositionCombinedDeclineAsPercentageOfPortfolio" id="fkys_DebtSecuritiesInLossPositionCombinedDeclineAsPercentageOfPortfolio" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="AvailableForSaleMunicipalSecuritiesMember" id="fkys_AvailableForSaleMunicipalSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AvailableForSaleMortgageBackSecuritiesMember" id="fkys_AvailableForSaleMortgageBackSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ScheduleOfCumulativeAmountOfFairValueHedgingAdjustmentIncludedCarryingAmountOfHedgedAssetsTableTextBlock" id="fkys_ScheduleOfCumulativeAmountOfFairValueHedgingAdjustmentIncludedCarryingAmountOfHedgedAssetsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ScheduleOfCumulativeAmountOfFairValueHedgingAdjustmentIncludedCarryingAmountOfAssetsTableTextBlock" id="fkys_ScheduleOfCumulativeAmountOfFairValueHedgingAdjustmentIncludedCarryingAmountOfAssetsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="RecordedInvestmentAbstract" id="fkys_RecordedInvestmentAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="UnpaidPrincipalBalanceAbstract" id="fkys_UnpaidPrincipalBalanceAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ScheduleOfHoldingsOfSecuritiesFromIssuersInExcessOfTenPercentOfConsolidatedStockholdersEquityTableTextBlock" id="fkys_ScheduleOfHoldingsOfSecuritiesFromIssuersInExcessOfTenPercentOfConsolidatedStockholdersEquityTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="NelnetStudentLoanTrustMember" id="fkys_NelnetStudentLoanTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FairValuesMeasurementSignificantAssumptions" id="fkys_FairValuesMeasurementSignificantAssumptions" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="VelocityCommercialCapitalMember" id="fkys_VelocityCommercialCapitalMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivablesModificationsNumberOfContracts" id="fkys_FinancingReceivablesModificationsNumberOfContracts" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivableModificationsPreModificationRecordedInvestment" id="fkys_FinancingReceivableModificationsPreModificationRecordedInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossAndDeferredFeesAndCosts" id="fkys_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossAndDeferredFeesAndCosts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableDeferredFeesAndCostsExcludingAccruedInterest" id="fkys_FinancingReceivableDeferredFeesAndCostsExcludingAccruedInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="MinimumPercentageOfConsolidatedShareholderEquityHeldByIssuer" id="fkys_MinimumPercentageOfConsolidatedShareholderEquityHeldByIssuer" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="AvailableForSaleDebtSecuritiesMember" id="fkys_AvailableForSaleDebtSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ContractualObligationToBePaidYearOneToYearThree" id="fkys_ContractualObligationToBePaidYearOneToYearThree" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="NetContractualObligation" id="fkys_NetContractualObligation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivablePostModificationsRecordedInvestmentPaidCurrent" id="fkys_FinancingReceivablePostModificationsRecordedInvestmentPaidCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="NumberOfFinanceLeases" id="fkys_NumberOfFinanceLeases" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="CumulativeAmountOfFairValueHedgingAdjustmentIncludedInCarryingAmountOfAssetsNet" id="fkys_CumulativeAmountOfFairValueHedgingAdjustmentIncludedInCarryingAmountOfAssetsNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableNonaccrualWithRelatedAllowanceRecordedInvestment" id="fkys_FinancingReceivableNonaccrualWithRelatedAllowanceRecordedInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableNonaccrualWithNoRelatedAllowanceRecordedInvestment" id="fkys_FinancingReceivableNonaccrualWithNoRelatedAllowanceRecordedInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableNonaccrualRecordedInvestment" id="fkys_FinancingReceivableNonaccrualRecordedInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableNonaccrualWithRelatedAllowanceUnpaidPrincipalBalance" id="fkys_FinancingReceivableNonaccrualWithRelatedAllowanceUnpaidPrincipalBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableNonaccrualWithNoRelatedAllowanceUnpaidPrincipalBalance" id="fkys_FinancingReceivableNonaccrualWithNoRelatedAllowanceUnpaidPrincipalBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableNonaccrualUnpaidPrincipalBalance" id="fkys_FinancingReceivableNonaccrualUnpaidPrincipalBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableNonaccrualRelatedAllowance" id="fkys_FinancingReceivableNonaccrualRelatedAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableIndividuallyEvaluatedForImpairmentFairValueDisclosure" id="fkys_FinancingReceivableIndividuallyEvaluatedForImpairmentFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivablesModificationsAggregateNumberOfLoans" id="fkys_FinancingReceivablesModificationsAggregateNumberOfLoans" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="FinancingReceivableModificationsSubsequentDefaultsNumberOfLoansPaidOff" id="fkys_FinancingReceivableModificationsSubsequentDefaultsNumberOfLoansPaidOff" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="GainFromLifeInsuranceProceeds" id="fkys_GainFromLifeInsuranceProceeds" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ProceedsFromLifeInsurancePolicyGain" id="fkys_ProceedsFromLifeInsurancePolicyGain" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="OneToFourFamilyLoansMember" id="fkys_OneToFourFamilyLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="MultiFamilyLoansMember" id="fkys_MultiFamilyLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="OwnerOccupiedNonFarmNonResidentialLoansMember" id="fkys_OwnerOccupiedNonFarmNonResidentialLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="StockLoansMember" id="fkys_StockLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableModifiedInterestOnlyPaymentPeriod" id="fkys_FinancingReceivableModifiedInterestOnlyPaymentPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="PaymentsOfOrdinaryDividendsCommonStockNetOfReinvestment" id="fkys_PaymentsOfOrdinaryDividendsCommonStockNetOfReinvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="NonOwnerOccupiedNonFarmNonResidentialLoansMember" id="fkys_NonOwnerOccupiedNonFarmNonResidentialLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CommercialMotorVehicleLoansMember" id="fkys_CommercialMotorVehicleLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NumberOfLoanPortfolioSegments" id="fkys_NumberOfLoanPortfolioSegments" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DebtSecuritiesAvailableForSaleAccumulatedBasisAdjustmentForFairValueHedge" id="fkys_DebtSecuritiesAvailableForSaleAccumulatedBasisAdjustmentForFairValueHedge" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="LoanThreeMember" id="fkys_LoanThreeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="InterestOnlyPaymentsMember" id="fkys_InterestOnlyPaymentsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="OtherLoanRestructuringModificationMember" id="fkys_OtherLoanRestructuringModificationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LoanFourMember" id="fkys_LoanFourMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableModifiedLoanModificationExtensionTerm" id="fkys_FinancingReceivableModifiedLoanModificationExtensionTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ExtendedMaturityAndInterestOnlyPaymentsMember" id="fkys_ExtendedMaturityAndInterestOnlyPaymentsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LoanFiveMember" id="fkys_LoanFiveMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="InterestOnlyPaymentFromPaymentDeferralMember" id="fkys_InterestOnlyPaymentFromPaymentDeferralMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="InterestOnlyPaymentsAdditionalExtensionFromPaymentDeferralMember" id="fkys_InterestOnlyPaymentsAdditionalExtensionFromPaymentDeferralMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="RepaymentStructureModificationMember" id="fkys_RepaymentStructureModificationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ExtensionOfInterestOnlyDrawPeriodAndExtendedMaturityMember" id="fkys_ExtensionOfInterestOnlyDrawPeriodAndExtendedMaturityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
</xsd:schema>
