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        <link:usedOn>link:calculationLink</link:usedOn>
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  <xsd:element name="FairValueInputsEstimatedSellingCostsWeightedAverageDiscount" id="fcap_FairValueInputsEstimatedSellingCostsWeightedAverageDiscount" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="FinancingReceivableExcludingAccruedInterestNonaccrualWithAnAllowance" id="fcap_FinancingReceivableExcludingAccruedInterestNonaccrualWithAnAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
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  <xsd:element name="GuarantorObligationsMaximumExposureRenewableEnergyTaxCreditFacility" id="fcap_GuarantorObligationsMaximumExposureRenewableEnergyTaxCreditFacility" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
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  <xsd:element name="HeldtomaturitySecuritiesInUnrealizedLossPositionsDepreciationFromAmortizedCostPercentage" id="fcap_HeldtomaturitySecuritiesInUnrealizedLossPositionsDepreciationFromAmortizedCostPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="HeldtomaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsUnrealizedLossPosition12MonthsOrLonger" id="fcap_HeldtomaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsUnrealizedLossPosition12MonthsOrLonger" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="HomeEquityAndSecondMortgageMember" id="fcap_HomeEquityAndSecondMortgageMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ImpactFromDistributionsToNoncontrollingInterestHolders" id="fcap_ImpactFromDistributionsToNoncontrollingInterestHolders" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="ImpactOfStockCompensationExpense" id="fcap_ImpactOfStockCompensationExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="ImpairedLoanMember" id="fcap_ImpairedLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ImpairedLoansFairValueDisclosure" id="fcap_ImpairedLoansFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="InterestBearingTimeDeposits" id="fcap_InterestBearingTimeDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
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  <xsd:element name="InterestPayableFairValueDisclosure" id="fcap_InterestPayableFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
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  <xsd:element name="InvestmentNumberOfSharesAcquired" id="fcap_InvestmentNumberOfSharesAcquired" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InvestmentOwnershipPercentage" id="fcap_InvestmentOwnershipPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="LimitedPartnershipInterestTechnologyFundMember" id="fcap_LimitedPartnershipInterestTechnologyFundMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MaximumFairValueOfFirstExercisableStockIncentiveOptions" id="fcap_MaximumFairValueOfFirstExercisableStockIncentiveOptions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="NoninterestIncomeExcludingRevenueFromContractsWithCustomers" id="fcap_NoninterestIncomeExcludingRevenueFromContractsWithCustomers" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="NoninterestIncomeOtherOperatingIncomeExcludingRevenueFromContractWithCustomer" id="fcap_NoninterestIncomeOtherOperatingIncomeExcludingRevenueFromContractWithCustomer" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="OneToFourFamilyResidentialConstructionMember" id="fcap_OneToFourFamilyResidentialConstructionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OnetofourFamilyLoanMember" id="fcap_OnetofourFamilyLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherConstructionDevelopmentAndLandMember" id="fcap_OtherConstructionDevelopmentAndLandMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="PaymentsToAcquireInterestBearingTimeDeposits" id="fcap_PaymentsToAcquireInterestBearingTimeDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
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  <xsd:element name="TaxCreditCommittedInvestmentInTheTaxCreditProducingEntity" id="fcap_TaxCreditCommittedInvestmentInTheTaxCreditProducingEntity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
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  <xsd:element name="GainLossOnLifeInsurance" id="fcap_GainLossOnLifeInsurance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ServiceChargesOnDepositAccountsMember" id="fcap_ServiceChargesOnDepositAccountsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
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  <xsd:element name="CmoAndMortgageBackedSecuritiesMember" id="fcap_CmoAndMortgageBackedSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="InvestmentInQualifiedAffordableHousingProjectOnJanuary192018Member" id="fcap_InvestmentInQualifiedAffordableHousingProjectOnJanuary192018Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="InvestmentInQualifiedAffordableHousingProjectOnDecember162025Member" id="fcap_InvestmentInQualifiedAffordableHousingProjectOnDecember162025Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableCollateralDependentLoanCarryingValue" id="fcap_FinancingReceivableCollateralDependentLoanCarryingValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesAvailableForSalePurchasedNotSettled" id="fcap_DebtSecuritiesAvailableForSalePurchasedNotSettled" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
</xsd:schema>
