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  <xsd:element id="asrv_CommercialLoansSecuredByNonownerOccupiedRealEstateMember" name="CommercialLoansSecuredByNonownerOccupiedRealEstateMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="asrv_CommercialLoansSecuredByOwnerOccupiedRealEstateMember" name="CommercialLoansSecuredByOwnerOccupiedRealEstateMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="asrv_ImpairedLoansDomain" name="ImpairedLoansDomain" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="asrv_RestrictedTypeAxis" name="RestrictedTypeAxis" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="asrv_RestrictedTypeDomain" name="RestrictedTypeDomain" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="asrv_DebtAndLeaseObligations" name="DebtAndLeaseObligations" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element id="asrv_TypeOfLoanAccrualStatusAxis" name="TypeOfLoanAccrualStatusAxis" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="asrv_TypeOfLoanAccrualStatusDomain" name="TypeOfLoanAccrualStatusDomain" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="asrv_ScheduleOfFederalHomeLoanBankBorrowingsByMaturityTableTextBlock" name="ScheduleOfFederalHomeLoanBankBorrowingsByMaturityTableTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="asrv_DebtAndEquitySecuritiesPurchasedPremiumPercentage" name="DebtAndEquitySecuritiesPurchasedPremiumPercentage" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="asrv_NumberOfLocationsInState1" name="NumberOfLocationsInState1" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="asrv_NumberOfLocationsInState2" name="NumberOfLocationsInState2" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="asrv_RiskParticipationAgreementLiabilityFairValueAmount" name="RiskParticipationAgreementLiabilityFairValueAmount" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element id="asrv_RiskParticipationAgreementMember" name="RiskParticipationAgreementMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="asrv_AmortizationOfFairValueAdjustmentOnAcquiredTimeDeposits" name="AmortizationOfFairValueAdjustmentOnAcquiredTimeDeposits" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivablesRecordedInvestmentsAgingAbstract" id="asrv_FinancingReceivablesRecordedInvestmentsAgingAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EarningsPerShareBasicAndDiluted1Abstract" id="asrv_EarningsPerShareBasicAndDiluted1Abstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="OperatingLeaseRelatingToOfficeLocationMember" id="asrv_OperatingLeaseRelatingToOfficeLocationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DefinedBenefitPlanRequisiteServicePeriod" id="asrv_DefinedBenefitPlanRequisiteServicePeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DefinedBenefitPlanAverageAnnualEarningsCalculationNumberOfConsecutiveCalendarYears" id="asrv_DefinedBenefitPlanAverageAnnualEarningsCalculationNumberOfConsecutiveCalendarYears" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DefinedBenefitPlanAverageAnnualEarningsCalculationFinalPeriodOfEmployment" id="asrv_DefinedBenefitPlanAverageAnnualEarningsCalculationFinalPeriodOfEmployment" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="InterestRateHedgeMember" id="asrv_InterestRateHedgeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CommercialLoansSecuredByNonOwnerOccupiedRetailRealEstateMember" id="asrv_CommercialLoansSecuredByNonOwnerOccupiedRetailRealEstateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CommercialLoansSecuredByNonOwnerOccupiedMultiFamilyRealEstateMember" id="asrv_CommercialLoansSecuredByNonOwnerOccupiedMultiFamilyRealEstateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CommercialLoansSecuredByNonOwnerOccupiedOtherCommercialRealEstateMember" id="asrv_CommercialLoansSecuredByNonOwnerOccupiedOtherCommercialRealEstateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestNonaccrualWithAllowance" id="asrv_FinancingReceivableExcludingAccruedInterestNonaccrualWithAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestNonPerformingAssets" id="asrv_FinancingReceivableExcludingAccruedInterestNonPerformingAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestUnfundedLoan" id="asrv_FinancingReceivableExcludingAccruedInterestUnfundedLoan" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="PercentageOfGeneralReserveRepresentedByQualitativeAdjustment" id="asrv_PercentageOfGeneralReserveRepresentedByQualitativeAdjustment" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="PercentageOfGeneralReserveRepresentedByQuantitativeAdjustment" id="asrv_PercentageOfGeneralReserveRepresentedByQuantitativeAdjustment" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivableThresholdAmountForEvaluationOfImpairment" id="asrv_FinancingReceivableThresholdAmountForEvaluationOfImpairment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ScheduleOfNonPerformingAssetsTableTextBlock" id="asrv_ScheduleOfNonPerformingAssetsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="InterestBearingDepositsAndShortTermInvestments" id="asrv_InterestBearingDepositsAndShortTermInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="InterestBearingDepositAndShortTermInvestments" id="asrv_InterestBearingDepositAndShortTermInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="AllowanceForCreditLossesOnHeldToMaturityDebtSecuritiesByMajorSecurityTypeTableTextBlock" id="asrv_AllowanceForCreditLossesOnHeldToMaturityDebtSecuritiesByMajorSecurityTypeTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="AvailableForSaleDebtSecurityInNonAccrualStatusNumberOfSecurities" id="asrv_AvailableForSaleDebtSecurityInNonAccrualStatusNumberOfSecurities" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="DebtSecuritiesAvailableForSaleExcludingAccruedInterestNonaccrual" id="asrv_DebtSecuritiesAvailableForSaleExcludingAccruedInterestNonaccrual" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="PercentageOfDepreciationOnAvailableForSaleDebtSecuritiesAmortizedCostBasisUnrealizedLossPositionLessThanTwelveMonths" id="asrv_PercentageOfDepreciationOnAvailableForSaleDebtSecuritiesAmortizedCostBasisUnrealizedLossPositionLessThanTwelveMonths" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="PercentageOfDepreciationOnAvailableForSaleDebtSecuritiesAmortizedCostBasisUnrealizedLossPositionGreaterThanTwelveMonths" id="asrv_PercentageOfDepreciationOnAvailableForSaleDebtSecuritiesAmortizedCostBasisUnrealizedLossPositionGreaterThanTwelveMonths" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="CreditRatingBbbBbBMember" id="asrv_CreditRatingBbbBbBMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="UnratedMember" id="asrv_UnratedMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CreditRatingaaaaaMember" id="asrv_CreditRatingaaaaaMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableAmortizedCostBasisOfCollateralDependentLoansTableTextBlock" id="asrv_FinancingReceivableAmortizedCostBasisOfCollateralDependentLoansTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ScheduleOfModificationsMadeToBorrowersExperiencingFinancialDifficultyTableTextBlock" id="asrv_ScheduleOfModificationsMadeToBorrowersExperiencingFinancialDifficultyTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivableModificationsInterestDeferredUntilMaturity" id="asrv_FinancingReceivableModificationsInterestDeferredUntilMaturity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="OtherRealEstateOwnedAndRepossessedAssetsMember" id="asrv_OtherRealEstateOwnedAndRepossessedAssetsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="IntangibleAssetsAbstract" id="asrv_IntangibleAssetsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AppraisalOfCollateralMember" id="asrv_AppraisalOfCollateralMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="MeasurementInputLiquidationExpensesMember" id="asrv_MeasurementInputLiquidationExpensesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableAccrual" id="asrv_FinancingReceivableAccrual" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="IncreaseDecreaseInInterestIncome" id="asrv_IncreaseDecreaseInInterestIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="MinimumAggregateBalancesForCommercialLoanRelationshipUnderStructureLoanRatingProcess" id="asrv_MinimumAggregateBalancesForCommercialLoanRelationshipUnderStructureLoanRatingProcess" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="WeightedAverageDurationOfInvestmentSecuritiesPortfolio" id="asrv_WeightedAverageDurationOfInvestmentSecuritiesPortfolio" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ConsumerAndResidentialMortgagesPortfolioSegmentMember" id="asrv_ConsumerAndResidentialMortgagesPortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CommercialLoansSecuredByNonOwnerOccupiedRetailCommercialRealEstateMember" id="asrv_CommercialLoansSecuredByNonOwnerOccupiedRetailCommercialRealEstateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestModificationsNumberOfLoans" id="asrv_FinancingReceivableExcludingAccruedInterestModificationsNumberOfLoans" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DebtSecuritiesTradingTableTextBlock" id="asrv_DebtSecuritiesTradingTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DebtSecuritiesTradingRevenueTableTextBlock" id="asrv_DebtSecuritiesTradingRevenueTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DebtSecuritiesAvailableForSaleExcludingAccruedInterestAllowanceForCreditLossExpenseAndRecovery" id="asrv_DebtSecuritiesAvailableForSaleExcludingAccruedInterestAllowanceForCreditLossExpenseAndRecovery" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="TradingSecuritiesInvestmentInFutureTradingSecurities" id="asrv_TradingSecuritiesInvestmentInFutureTradingSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtInstrumentAdjustmentOnVariableRate" id="asrv_DebtInstrumentAdjustmentOnVariableRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="CommonStockSharesIssuable" id="asrv_CommonStockSharesIssuable" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="BusinessAssetsMember" id="asrv_BusinessAssetsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PaymentDelayAndTermExtensionMember" id="asrv_PaymentDelayAndTermExtensionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecreasePercentage" id="asrv_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecreasePercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
</xsd:schema>
