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  <xs:element id="fsbc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsUnvestedWeightedAverageRemainingContractualTerms" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsUnvestedWeightedAverageRemainingContractualTerms" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="fsbc_ShareBasedCompensationArrangementByShareBasedPaymentAwardTargetAwardGrantPercentage" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardTargetAwardGrantPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fsbc_CommercialLinesOfCreditMember" abstract="false" name="CommercialLinesOfCreditMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fsbc_UndisbursedCommercialRealEstateLoansMember" abstract="false" name="UndisbursedCommercialRealEstateLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fsbc_UndisbursedConstructionLoansMember" abstract="false" name="UndisbursedConstructionLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fsbc_AgriculturalLinesOfCreditMember" abstract="false" name="AgriculturalLinesOfCreditMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fsbc_UndisbursedResidentialRealEstateLoansMember" abstract="true" name="UndisbursedResidentialRealEstateLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fsbc_UndisbursedAgriculturalRealEstateLoansMember" abstract="false" name="UndisbursedAgriculturalRealEstateLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fsbc_OtherCommitmentsMember" abstract="false" name="OtherCommitmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fsbc_RealEstateRelatedLoansPercentage" abstract="false" name="RealEstateRelatedLoansPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fsbc_Deposits5MillionOrMoreNumberOfDepositRelationships" abstract="false" name="Deposits5MillionOrMoreNumberOfDepositRelationships" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="fsbc_Deposits5MillionOrMorePerDeposit" abstract="false" name="Deposits5MillionOrMorePerDeposit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fsbc_Deposits5MillionOrMoreAmount" abstract="false" name="Deposits5MillionOrMoreAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fsbc_PercentageOfDepositsOver5MillionToDeposits" abstract="false" name="PercentageOfDepositsOver5MillionToDeposits" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fsbc_LargestSingleDeposit" abstract="false" name="LargestSingleDeposit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fsbc_PercentageOfLargestSingleDepositToDeposits" abstract="false" name="PercentageOfLargestSingleDepositToDeposits" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fsbc_EquityMethodInvestmentRemainingCommitmentAmount" abstract="false" name="EquityMethodInvestmentRemainingCommitmentAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
