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  <xsd:element name="DonationsAndContributions" id="pnsb_DonationsAndContributions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="PaymentForProceedsFromOtherInvestments" id="pnsb_PaymentForProceedsFromOtherInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="MutualsFundsFairValueDisclosure" id="pnsb_MutualsFundsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="InterestReceivableFairValueDisclosure" id="pnsb_InterestReceivableFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="AdvancePaymentsByBorrowersForTaxesAndInsuranceFairValueDisclosure" id="pnsb_AdvancePaymentsByBorrowersForTaxesAndInsuranceFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="InterestPayableFairValueDisclosure" id="pnsb_InterestPayableFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="PioneerStateBankMember" id="pnsb_PioneerStateBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ScheduleOfNumberOfSecuritiesAndAggregateDepreciationOnInvestmentInAvailableForSaleInContinuousUnrealizedLossPositionTableTextBlock" id="pnsb_ScheduleOfNumberOfSecuritiesAndAggregateDepreciationOnInvestmentInAvailableForSaleInContinuousUnrealizedLossPositionTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DebtSecuritiesAvailableForSaleUnrealizedLossPositionAggregateDepreciationPercentage" id="pnsb_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAggregateDepreciationPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="CreditRatingAxis" id="pnsb_CreditRatingAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CreditRatingDomain" id="pnsb_CreditRatingDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AaRatingMember" id="pnsb_AaRatingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="RatingMember" id="pnsb_RatingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="OtherConstructionAndLandDevelopmentMember" id="pnsb_OtherConstructionAndLandDevelopmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CommercialAndIndustrialLoanMember" id="pnsb_CommercialAndIndustrialLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="MunicipalLoanMember" id="pnsb_MunicipalLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="RevolvingOpenEndLoanMember" id="pnsb_RevolvingOpenEndLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FirstLiensLoanMember" id="pnsb_FirstLiensLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="JuniorLiensLoanMember" id="pnsb_JuniorLiensLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ReserveForUnfundedLoanCommitmentsRollForward" id="pnsb_ReserveForUnfundedLoanCommitmentsRollForward" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ReserveForUnfundedLoanCommitmentsCreditLossExpenseReversal" id="pnsb_ReserveForUnfundedLoanCommitmentsCreditLossExpenseReversal" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="MortgageLoansServicedForOthersUnpaidPrincipalBalance" id="pnsb_MortgageLoansServicedForOthersUnpaidPrincipalBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ScheduleOfUnrealizedLossPositionOnInvestmentsTableTextBlock" id="pnsb_ScheduleOfUnrealizedLossPositionOnInvestmentsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeStockOwnershipPlanEsopLoanAmount" id="pnsb_EmployeeStockOwnershipPlanEsopLoanAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="EmployeeStockOwnershipPlanEsopLoanRepaymentPeriod" id="pnsb_EmployeeStockOwnershipPlanEsopLoanRepaymentPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeStockOwnershipPlanEsopSharesPercentageToTotalSharesIssued" id="pnsb_EmployeeStockOwnershipPlanEsopSharesPercentageToTotalSharesIssued" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="AmountContributedFromNetProceedsOfOffering" id="pnsb_AmountContributedFromNetProceedsOfOffering" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="StockOfferingNetProceedsRetentionAmount" id="pnsb_StockOfferingNetProceedsRetentionAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="EmployeeStockOwnershipPlanEsopValueOfSharesContributedToEsop" id="pnsb_EmployeeStockOwnershipPlanEsopValueOfSharesContributedToEsop" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="PaymentsForPurchaseOfCommonStockByEmployeeShareOwnershipPlan" id="pnsb_PaymentsForPurchaseOfCommonStockByEmployeeShareOwnershipPlan" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="OrganizationConsolidationAndPresentationOfFinancialStatementsTable" id="pnsb_OrganizationConsolidationAndPresentationOfFinancialStatementsTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="OrganizationConsolidationAndPresentationOfFinancialStatementsLineItem" id="pnsb_OrganizationConsolidationAndPresentationOfFinancialStatementsLineItem" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SystemConversionExpense" id="pnsb_SystemConversionExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
</xsd:schema>
