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  <xsd:element name="DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionFairValueTableTextBlock" id="juvf_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionFairValueTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="RealEstate1To4FamilyResidentialConstructionMember" id="juvf_RealEstate1To4FamilyResidentialConstructionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="RealEstateOtherConstructionLoansMember" id="juvf_RealEstateOtherConstructionLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="UnfundedCommitments" id="juvf_UnfundedCommitments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="UnfundedLoanCommitmentsAllowanceForCreditLoss" id="juvf_UnfundedLoanCommitmentsAllowanceForCreditLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ScheduleOfCollateralDependentLoansByClassAndCollateralTypeTableTextBlock" id="juvf_ScheduleOfCollateralDependentLoansByClassAndCollateralTypeTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="MarketableSecuritiesGreaterThan10PercentOfStockholdersEquity" id="juvf_MarketableSecuritiesGreaterThan10PercentOfStockholdersEquity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearGrossWriteoff" id="juvf_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearGrossWriteoff" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearGrossWriteoff" id="juvf_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearGrossWriteoff" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearGrossWriteoff" id="juvf_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearGrossWriteoff" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearGrossWriteoff" id="juvf_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearGrossWriteoff" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossGrossWriteoff" id="juvf_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossGrossWriteoff" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="PathValleyBranchOfficeAcquisitionMember" id="juvf_PathValleyBranchOfficeAcquisitionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AociAccumulatedGainLossDebtSecuritiesHeldToMaturityParentMember" id="juvf_AociAccumulatedGainLossDebtSecuritiesHeldToMaturityParentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFour" id="juvf_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFour" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="TaxesOtherIncludingRefunds" id="juvf_TaxesOtherIncludingRefunds" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="AociAccumulatedGainLossDebtSecuritiesAvailableForSaleAndHeldToMaturityParentMember" id="juvf_AociAccumulatedGainLossDebtSecuritiesAvailableForSaleAndHeldToMaturityParentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CreditQualityIndicatorsAdditionalInformation" id="juvf_CreditQualityIndicatorsAdditionalInformation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="BankingSegmentMember" id="juvf_BankingSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="InterestAndDividendIncomeOperatingAndNoninterestIncome" id="juvf_InterestAndDividendIncomeOperatingAndNoninterestIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="PaymentsToAcquireRestrictedStock" id="juvf_PaymentsToAcquireRestrictedStock" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="LifeInsuranceProceedsRealizedGain" id="juvf_LifeInsuranceProceedsRealizedGain" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="GrossUnrealizedGainsOnHtmSecuritiesMaturingWithinOneYear" id="juvf_GrossUnrealizedGainsOnHtmSecuritiesMaturingWithinOneYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="O2026Q2DividendsMember" id="juvf_O2026Q2DividendsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
</xsd:schema>
