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  <xs:element name="AuditAndExaminationFees" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="hfbl_AuditAndExaminationFees"/>
  <xs:element name="AmortizationOfPurchasedLoans" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="hfbl_AmortizationOfPurchasedLoans"/>
  <xs:element name="ShareAwardsExpense" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="hfbl_ShareAwardsExpense"/>
  <xs:element name="AmortizationOfCoreDepositIntangible" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="hfbl_AmortizationOfCoreDepositIntangible"/>
  <xs:element name="ProceedsFromDeferredLoanFeesCollected" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="hfbl_ProceedsFromDeferredLoanFeesCollected"/>
  <xs:element name="PaymentsToAcquireBuildingsAndEquipment" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="hfbl_PaymentsToAcquireBuildingsAndEquipment"/>
  <xs:element name="ProceedsFromSaleOfPremisesAndEquipment" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="hfbl_ProceedsFromSaleOfPremisesAndEquipment"/>
  <xs:element name="PaymentsForProceedsFromCapitalImprovements" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="hfbl_PaymentsForProceedsFromCapitalImprovements"/>
  <xs:element name="NatureOfOperationsPolicyTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_NatureOfOperationsPolicyTextBlock"/>
  <xs:element name="FinancingReceivableAllowanceForCreditLossesPolicyPolicyTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_FinancingReceivableAllowanceForCreditLossesPolicyPolicyTextBlock"/>
  <xs:element name="LoansAndLeasesReceivableOtherRealEstateOwnedAcquiredThroughForeclosurePolicy" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_LoansAndLeasesReceivableOtherRealEstateOwnedAcquiredThroughForeclosurePolicy"/>
  <xs:element name="BankOwnedLifeInsurancePolicyTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_BankOwnedLifeInsurancePolicyTextBlock"/>
  <xs:element name="AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesTableTextBlock"/>
  <xs:element name="FinancingReceivableDesignatedInternalRiskCategoriesByPortfolioSegmentAndLoanClassTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_FinancingReceivableDesignatedInternalRiskCategoriesByPortfolioSegmentAndLoanClassTableTextBlock"/>
  <xs:element name="FinancingReceivableLoansIndividuallyEvaluatedForImpairmentSegregatedByClassOfLoansAndImpairedLoansTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_FinancingReceivableLoansIndividuallyEvaluatedForImpairmentSegregatedByClassOfLoansAndImpairedLoansTableTextBlock"/>
  <xs:element name="OperatingLeaseLesseeRightOfUseAssetsAndLeaseLiabilitiesTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_OperatingLeaseLesseeRightOfUseAssetsAndLeaseLiabilitiesTableTextBlock"/>
  <xs:element name="LoansAndLeasesReceivableUnamortizedLoanFees" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="hfbl_LoansAndLeasesReceivableUnamortizedLoanFees"/>
  <xs:element name="FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearIncludingExcessRecoverables" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="hfbl_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearIncludingExcessRecoverables"/>
  <xs:element name="DebtSecuritiesHeldToMaturityFairValueDisclosure" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="hfbl_DebtSecuritiesHeldToMaturityFairValueDisclosure"/>
  <xs:element name="ImpairedLoansFairValueDisclosure" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="hfbl_ImpairedLoansFairValueDisclosure"/>
  <xs:element name="ForeclosedAssetsFairValueDisclosure" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="hfbl_ForeclosedAssetsFairValueDisclosure"/>
  <xs:element name="NumberOfFullServiceBankingOffices" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_NumberOfFullServiceBankingOffices"/>
  <xs:element name="NumberOfWhollyOwnedSubsidiaries" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_NumberOfWhollyOwnedSubsidiaries"/>
  <xs:element name="ContractualDueDate" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_ContractualDueDate"/>
  <xs:element name="NumberOfDistinctCategoriesOfLoans" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_NumberOfDistinctCategoriesOfLoans"/>
  <xs:element name="DebtSecuritiesAvailableForSaleTotalNumberOfPositions" type="xbrli:integerItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="hfbl_DebtSecuritiesAvailableForSaleTotalNumberOfPositions"/>
  <xs:element name="LoansAndLeasesReceivableImpairedInterestLossOnNonaccrualLoans" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="hfbl_LoansAndLeasesReceivableImpairedInterestLossOnNonaccrualLoans"/>
  <xs:element name="FinancingReceivableNumberOfHousingUnitsIncludedInCollateralizedProperty" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_FinancingReceivableNumberOfHousingUnitsIncludedInCollateralizedProperty"/>
  <xs:element name="FinancingReceivableModificationsNumberOfContract" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_FinancingReceivableModificationsNumberOfContract"/>
  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardTerminationDate" type="xbrli:dateItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_ShareBasedCompensationArrangementByShareBasedPaymentAwardTerminationDate"/>
  <xs:element name="PercentageOfSharesAvailableForGrant" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_PercentageOfSharesAvailableForGrant"/>
  <xs:element name="NumberOfDaysFromOriginationToDisposeLoansHeldForSaleMortgagesMaximum" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_NumberOfDaysFromOriginationToDisposeLoansHeldForSaleMortgagesMaximum"/>
  <xs:element name="CaddoBossierAndWebsterParishesLouisianaMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_CaddoBossierAndWebsterParishesLouisianaMember"/>
  <xs:element name="ConsumerLoansOnSavingsAccountsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_ConsumerLoansOnSavingsAccountsMember"/>
  <xs:element name="ConsumerLoansOtherFinancingReceivableMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_ConsumerLoansOtherFinancingReceivableMember"/>
  <xs:element name="EquityAndSecondMortgageMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_EquityAndSecondMortgageMember"/>
  <xs:element name="FurnitureAndEquipmentMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_FurnitureAndEquipmentMember"/>
  <xs:element name="HomeEquityLoansAndLinesOfCreditAndSecondMortgageMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_HomeEquityLoansAndLinesOfCreditAndSecondMortgageMember"/>
  <xs:element name="HomeEquityLoansAndLinesOfCreditMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_HomeEquityLoansAndLinesOfCreditMember"/>
  <xs:element name="MultiFamilyResidentialMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_MultiFamilyResidentialMember"/>
  <xs:element name="OneToFourFamilyResidentialMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_OneToFourFamilyResidentialMember"/>
  <xs:element name="PassWatchMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_PassWatchMember"/>
  <xs:element name="StockIncentivePlan2014Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_StockIncentivePlan2014Member"/>
  <xs:element name="StockIncentivePlan2019Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_StockIncentivePlan2019Member"/>
  <xs:element name="StockIncentivePlan2025Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_StockIncentivePlan2025Member"/>
  <xs:element name="StockIncentivePlansMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_StockIncentivePlansMember"/>
  <xs:element name="UnearnedEsopStockMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="hfbl_UnearnedEsopStockMember"/>
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</xs:schema>
