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  <xs:element id="chmg_DebtSecuritiesAvailableForSaleTaxExpenseBenefit" abstract="false" name="DebtSecuritiesAvailableForSaleTaxExpenseBenefit" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="chmg_OwnerOccupiedCommercialRealEstateMember" abstract="true" name="OwnerOccupiedCommercialRealEstateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_NonOwnerOccupiedCommercialRealEstateMember" abstract="true" name="NonOwnerOccupiedCommercialRealEstateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_HomeEquityLinesAndLoansMember" abstract="true" name="HomeEquityLinesAndLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_IndirectConsumerLoansMember" abstract="true" name="IndirectConsumerLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_DirectConsumerLoansMember" abstract="true" name="DirectConsumerLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_LoanStatusAxis" abstract="true" name="LoanStatusAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="chmg_LoanStatusDomain" abstract="true" name="LoanStatusDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_DefaultedLoanMember" abstract="true" name="DefaultedLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_CommercialCreditCardMember" abstract="true" name="CommercialCreditCardMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_CommercialAndIndustrialPortfolioSegmentMember" abstract="true" name="CommercialAndIndustrialPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_FinancingReceivableModifiedContracts" abstract="false" name="FinancingReceivableModifiedContracts" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="chmg_NumberOfDaysPastDueAfterWhichALoanWillBeRated" abstract="false" name="NumberOfDaysPastDueAfterWhichALoanWillBeRated" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="chmg_CommercialAndAgriculturalPortfolioSegmentMember" abstract="true" name="CommercialAndAgriculturalPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_LoansAndUnfundedCommitmentsMember" abstract="true" name="LoansAndUnfundedCommitmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_LoansPortfolioSegmentMember" abstract="true" name="LoansPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_FinancingReceivableAllowanceForCreditLossesEvaluatedForImpairmentAbstract" abstract="true" name="FinancingReceivableAllowanceForCreditLossesEvaluatedForImpairmentAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="chmg_FinancingReceivableAllowanceForFinanceReceivableEvaluatedForImpairmentAbstract" abstract="true" name="FinancingReceivableAllowanceForFinanceReceivableEvaluatedForImpairmentAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="chmg_CombinationMember" abstract="true" name="CombinationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_NonOwnerOccupiedMember" abstract="true" name="NonOwnerOccupiedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAmount" abstract="false" name="FinancingReceivableExcludingAccruedInterestModifiedInPeriodAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="chmg_FinancingReceivableExcludingAccruedInterestModifiedInPeriodToTotalFinancingReceivablesPercentage" abstract="false" name="FinancingReceivableExcludingAccruedInterestModifiedInPeriodToTotalFinancingReceivablesPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="chmg_FinancingReceivableExcludingAccruedInterestModifiedInPeriodTermExtension" abstract="false" name="FinancingReceivableExcludingAccruedInterestModifiedInPeriodTermExtension" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="chmg_FinancingReceivableExcludingAccruedInterestModifiedInPeriodPaymentDelay" abstract="false" name="FinancingReceivableExcludingAccruedInterestModifiedInPeriodPaymentDelay" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="chmg_RestructuredDebtMember" abstract="true" name="RestructuredDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_CommercialRealEstateAndBusinessAssetsMember" abstract="true" name="CommercialRealEstateAndBusinessAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_CommercialRealEstateAndResidentialRealEstateMember" abstract="true" name="CommercialRealEstateAndResidentialRealEstateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_CommercialAndIndustrialMember" abstract="true" name="CommercialAndIndustrialMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_NotRatedMember" abstract="true" name="NotRatedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_CollateralizedMortgageObligationsFairValueDisclosure" abstract="false" name="CollateralizedMortgageObligationsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="chmg_ObligationsOfStatesAndPoliticalSubdivisionsFairValueDisclosure" abstract="false" name="ObligationsOfStatesAndPoliticalSubdivisionsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="chmg_CorporateBondsAndNotesFairValueDisclosure" abstract="false" name="CorporateBondsAndNotesFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="chmg_CorporateSubordinatedDebtMember" abstract="true" name="CorporateSubordinatedDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_NumberOfCorporateDebtInvestmentsTransferredOutOfLevel2IntoLevel3" abstract="false" name="NumberOfCorporateDebtInvestmentsTransferredOutOfLevel2IntoLevel3" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="chmg_NumberOfCorporateDebtInvestmentsTransferredOutOfLevel3IntoLevel2" abstract="false" name="NumberOfCorporateDebtInvestmentsTransferredOutOfLevel3IntoLevel2" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="chmg_DebtInstrumentPartialRedemption" abstract="false" name="DebtInstrumentPartialRedemption" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="chmg_DebtInstrumentFullRedemption" abstract="false" name="DebtInstrumentFullRedemption" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="chmg_CorporateBondsAndNotesMember" abstract="true" name="CorporateBondsAndNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_FinancialAssetMeasurementInput" abstract="false" name="FinancialAssetMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="chmg_OtherRealEstateOwnedMember" abstract="true" name="OtherRealEstateOwnedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_RepossessedVehiclesMember" abstract="true" name="RepossessedVehiclesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_ValuationSalesComparisonMember" abstract="true" name="ValuationSalesComparisonMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_EstimatedLiquidationValueMember" abstract="true" name="EstimatedLiquidationValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_EstimatedRecoveryRateMember" abstract="true" name="EstimatedRecoveryRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_FairValueInputsDiscountToAppraisedValue" abstract="false" name="FairValueInputsDiscountToAppraisedValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="chmg_FederalHomeLoanBankAndFederalReserveBankStockAtCost" abstract="false" name="FederalHomeLoanBankAndFederalReserveBankStockAtCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="chmg_DemandSavingsAndInsuredMoneyMarketDeposits" abstract="false" name="DemandSavingsAndInsuredMoneyMarketDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="chmg_BranchLocation2RushStreetSchenectadyNewYorkMember" abstract="true" name="BranchLocation2RushStreetSchenectadyNewYorkMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_LesseeOperatingLeaseLeaseNotYetCommenced" abstract="false" name="LesseeOperatingLeaseLeaseNotYetCommenced" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="chmg_UnrecordedUnconditionalPurchaseObligationNumberOfLeases" abstract="false" name="UnrecordedUnconditionalPurchaseObligationNumberOfLeases" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="chmg_OperatingLeaseMonthlyRentAndCommonAreaMaintenanceExpense" abstract="false" name="OperatingLeaseMonthlyRentAndCommonAreaMaintenanceExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="chmg_OperatingLeaseRightOfUseAssetGross" abstract="false" name="OperatingLeaseRightOfUseAssetGross" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="chmg_OperatingLeaseRightOfUseAssetAccumulatedAmortization" abstract="false" name="OperatingLeaseRightOfUseAssetAccumulatedAmortization" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="chmg_OperatingLeaseRightOfUseAssetNewLeaseAgreementAndModifications" abstract="false" name="OperatingLeaseRightOfUseAssetNewLeaseAgreementAndModifications" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="chmg_LesseeOperatingLeaseLiabilityToBePaidYearFiveAndAfter" abstract="false" name="LesseeOperatingLeaseLiabilityToBePaidYearFiveAndAfter" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="chmg_FinanceLeaseLiabilityToBePaidYearFiveAndAfter" abstract="false" name="FinanceLeaseLiabilityToBePaidYearFiveAndAfter" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="chmg_FixedInterestRateMember" abstract="true" name="FixedInterestRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_VariableInterestRateMember" abstract="true" name="VariableInterestRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_InterestRateTypeAxis" abstract="true" name="InterestRateTypeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="chmg_InterestRateTypeDomain" abstract="true" name="InterestRateTypeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_CommitmentsPeriodToMakeRealEstateAndHomeEquityLoans" abstract="false" name="CommitmentsPeriodToMakeRealEstateAndHomeEquityLoans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="chmg_InterestRateOnFixedRateCommitmentsToMakeLoans" abstract="false" name="InterestRateOnFixedRateCommitmentsToMakeLoans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="chmg_MaturityPeriodOfFixedRateCommitmentsToMakeLoans" abstract="false" name="MaturityPeriodOfFixedRateCommitmentsToMakeLoans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="chmg_CommitmentsPeriodToMakeCommercialDrawNotes" abstract="false" name="CommitmentsPeriodToMakeCommercialDrawNotes" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="chmg_InterestRateOnFixedRateCommitmentsToMakeCommercialDrawNotes" abstract="false" name="InterestRateOnFixedRateCommitmentsToMakeCommercialDrawNotes" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="chmg_FHLBNYTermAdvancesTwoMember" abstract="true" name="FHLBNYTermAdvancesTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_FHLBNYOvernightAdvancesMember" abstract="true" name="FHLBNYOvernightAdvancesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_CoreBankingSegmentMember" abstract="true" name="CoreBankingSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_HoldingCompanyAndCFSMember" abstract="true" name="HoldingCompanyAndCFSMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_OverdraftFeesMember" abstract="true" name="OverdraftFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_ServiceChargeonDepositsOtherMember" abstract="true" name="ServiceChargeonDepositsOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_WMGFeeIncomeMember" abstract="true" name="WMGFeeIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_InvestmentBrokerageMember" abstract="true" name="InvestmentBrokerageMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_SaleofOREOMember" abstract="true" name="SaleofOREOMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_SaleofLoansMember" abstract="true" name="SaleofLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_LoanServicingFeesMember" abstract="true" name="LoanServicingFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_SaleofSecuritiesMember" abstract="true" name="SaleofSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_IncomeFromBankOwnedLifeInsuranceMember" abstract="true" name="IncomeFromBankOwnedLifeInsuranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_ProductsAndServicesOtherMember" abstract="true" name="ProductsAndServicesOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="chmg_NumberOfReportableSegmentsNotDisclosedFlag" abstract="false" name="NumberOfReportableSegmentsNotDisclosedFlag" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="chmg_NoninterestIncomeAdjusted" abstract="false" name="NoninterestIncomeAdjusted" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="chmg_A2025PlanMember" abstract="true" name="A2025PlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
