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  <import namespace="http://xbrl.sec.gov/sic/2011-01-31" schemaLocation="http://xbrl.sec.gov/sic/2011/sic-2011-01-31.xsd" />
  <import namespace="http://xbrl.sec.gov/stpr/2011-01-31" schemaLocation="http://xbrl.sec.gov/stpr/2011/stpr-2011-01-31.xsd" />
  <element id="annb_FederalReserveAndFederalHomeLoanBankStock" name="FederalReserveAndFederalHomeLoanBankStock" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="annb_OccupancyAndEquipment" name="OccupancyAndEquipment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="annb_DocumentAndEntityInformationAbstract" name="DocumentAndEntityInformationAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_TransfersFromLoansToOtherAssets" name="TransfersFromLoansToOtherAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="annb_BasisOfPresentationAbstract" name="BasisOfPresentationAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_PrepaidFederalDepositInsuranceCorporationInsurance" name="PrepaidFederalDepositInsuranceCorporationInsurance" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="annb_GainsLossesOnSaleOfRealEstateOwnedAndRepossessedAssets" name="GainsLossesOnSaleOfRealEstateOwnedAndRepossessedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="annb_GainLossesOnWriteDownsAndSalesOfAssets" name="GainLossesOnWriteDownsAndSalesOfAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="annb_NonEmployeeDirectorsOfBankMember" name="NonEmployeeDirectorsOfBankMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_StockBasedCompensationTextualAbstract" name="StockBasedCompensationTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_EarningsPerShareTextualAbstract" name="EarningsPerShareTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_ScheduleOfMaturityAndRateRepricingDistributionLoanPortfolioTableTextBlock" name="ScheduleOfMaturityAndRateRepricingDistributionLoanPortfolioTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_LoansAndLeasesReceivableRepricingOrMaturingWithinOneYear" name="LoansAndLeasesReceivableRepricingOrMaturingWithinOneYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="annb_LoansAndLeasesReceivableMaturingOverOneYearToFiveYears" name="LoansAndLeasesReceivableMaturingOverOneYearToFiveYears" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="annb_LoansAndLeasesReceivableMaturingOverFiveYears" name="LoansAndLeasesReceivableMaturingOverFiveYears" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="annb_AllowanceForCreditLossesAbstract" name="AllowanceForCreditLossesAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_LoansAbstract" name="LoansAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_CreditQualityIndicatorsAbstract" name="CreditQualityIndicatorsAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_LoansAndLeasesReceivableResidential" name="LoansAndLeasesReceivableResidential" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="annb_OtherAssetsEspeciallyMentionedMember" name="OtherAssetsEspeciallyMentionedMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_WithAllowanceRecordedMember" name="WithAllowanceRecordedMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_WithNoRelatedAllowanceRecordedMember" name="WithNoRelatedAllowanceRecordedMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_TroubledDebtRestructuringsThatSubsequentlyDefaultedMember" name="TroubledDebtRestructuringsThatSubsequentlyDefaultedMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_TroubledDebtRestructuringsMember" name="TroubledDebtRestructuringsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_LoansAllowanceForCreditLossesAndCreditQualityTextualAbstract" name="LoansAllowanceForCreditLossesAndCreditQualityTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_LoansReturnedToPerforming" name="LoansReturnedToPerforming" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="annb_TroubledDebtRestructuringsIncludedLoansInAccrualStatus" name="TroubledDebtRestructuringsIncludedLoansInAccrualStatus" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="annb_TroubledDebtRestructuringsIncludedLoansInNonaccrual" name="TroubledDebtRestructuringsIncludedLoansInNonaccrual" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="annb_PercentageOfLowerOfAppraisedValueOrSellingPriceOfProperty" name="PercentageOfLowerOfAppraisedValueOrSellingPriceOfProperty" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_MutualFundsMember" name="MutualFundsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_ChangesInFairValuesIncludedInPeriodEarningsMember" name="ChangesInFairValuesIncludedInPeriodEarningsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_DebtInstrumentClass" name="DebtInstrumentClass" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_DebtInstrumentCoupon" name="DebtInstrumentCoupon" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_DebtInstrumentRemainingParValue" name="DebtInstrumentRemainingParValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="annb_DebtInstrumentCumulativeDefault" name="DebtInstrumentCumulativeDefault" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_DebtInstrumentWeightedAverageLife" name="DebtInstrumentWeightedAverageLife" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_DebtInstrumentModifiedDuration" name="DebtInstrumentModifiedDuration" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_DebtInstrumentYield" name="DebtInstrumentYield" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_SummaryOfLevelThreeSecuritiesTableTextBlock" name="SummaryOfLevelThreeSecuritiesTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_FairValueMeasurementsTextualAbstract" name="FairValueMeasurementsTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_SeriesPreferredStockDividendPaymentPercentageForFirstFiveYearsMember" name="SeriesPreferredStockDividendPaymentPercentageForFirstFiveYearsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_SeriesPreferredStockDividendPaymentPercentageAfterFiveYearsMember" name="SeriesPreferredStockDividendPaymentPercentageAfterFiveYearsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_PreferredStockTextualAbstract" name="PreferredStockTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_AssetsMeasuredAtFairValueOnRecurringBasisAbstract" name="AssetsMeasuredAtFairValueOnRecurringBasisAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_AssetsMeasuredAtFairValueOnNonrecurringBasisAbstract" name="AssetsMeasuredAtFairValueOnNonrecurringBasisAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_EstimatedFairValueOfFinancialInstrumentsAbstract" name="EstimatedFairValueOfFinancialInstrumentsAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_FairValueLevelThreeSecuritiesAbstract" name="FairValueLevelThreeSecuritiesAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_LoansAndLeasesReceivableRepricingOrMaturingAbstract" name="LoansAndLeasesReceivableRepricingOrMaturingAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_ConstructionCommercialRealEstateMember" name="ConstructionCommercialRealEstateMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_OtherCommercialRealEstateMember" name="OtherCommercialRealEstateMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_AvailableForSaleSecuritiesAmortizedCostBasisAndFairValueAbstract" name="AvailableForSaleSecuritiesAmortizedCostBasisAndFairValueAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAndAggregateLossesAbstract" name="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAndAggregateLossesAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_FinancingReceivableModificationsDisclosuresAbstract" name="FinancingReceivableModificationsDisclosuresAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_ImpairedFinancingReceivableAbstract" name="ImpairedFinancingReceivableAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_LoanPortfolioCompositionPercentage" name="LoanPortfolioCompositionPercentage" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <element id="annb_ThresholdAmountForChargeOffDecision" name="ThresholdAmountForChargeOffDecision" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="annb_InvestmentSecuritiesTextualAbstract" name="InvestmentSecuritiesTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_WfmbsTwoThousandFiveToTwoThousandFourteenMember" name="WfmbsTwoThousandFiveToTwoThousandFourteenMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_CwhlTwoThousandFiveToTwoThousandTwentyOneMember" name="CwhlTwoThousandFiveToTwoThousandTwentyOneMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_LoanLossAllowances" name="LoanLossAllowances" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="annb_NonPerformingLoansCarryingValue" name="NonPerformingLoansCarryingValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="annb_SpecificReservesInNonPerformingLoan" name="SpecificReservesInNonPerformingLoan" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="annb_LoansAndLeasesReceivableAllowanceAndDeferredIncome" name="LoansAndLeasesReceivableAllowanceAndDeferredIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="annb_BusinessTextualAbstract" name="BusinessTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_RemainingSharesToBeVested" name="RemainingSharesToBeVested" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_RestrictedSharesOutstandingVested" name="RestrictedSharesOutstandingVested" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_LoansPrincipalAndInterestPaymentDuePeriod" name="LoansPrincipalAndInterestPaymentDuePeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_OtherLoanMember" name="OtherLoanMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_NumberOfBranches" name="NumberOfBranches" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <element id="annb_AnneArundelCountyMember" name="AnneArundelCountyMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_KentIslandInQueenAnnesCountyMember" name="KentIslandInQueenAnnesCountyMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_AverageRecordedInvestmentAndInterestIncomeRecognizedOnImpairedLoansTableTextBlock" name="AverageRecordedInvestmentAndInterestIncomeRecognizedOnImpairedLoansTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_IncreaseInLoansPastDue" name="IncreaseInLoansPastDue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="annb_NewLoansConsideredPastDue" name="NewLoansConsideredPastDue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="annb_SpecificReservesMember" name="SpecificReservesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_RedemptionOfPreferenceShares" name="RedemptionOfPreferenceShares" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <element id="annb_FairValueMeasurementsAdditionalTextualAbstract" name="FairValueMeasurementsAdditionalTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_StockBasedCompensationAdditionalTextualAbstract" name="StockBasedCompensationAdditionalTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_ChargeOffsOfLoansDeemedUncollectible" name="ChargeOffsOfLoansDeemedUncollectible" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="annb_EmployeeOfBankMember" name="EmployeeOfBankMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_ShareExchangeRatioUnderMergerAgreement" name="ShareExchangeRatioUnderMergerAgreement" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <element id="annb_AdditionalCashPerShareReceiveByShareholderUnderMegerAgreement" name="AdditionalCashPerShareReceiveByShareholderUnderMegerAgreement" type="num:perShareItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <element id="annb_PreferredShareExchangeRatioUnderMergerAgreement" name="PreferredShareExchangeRatioUnderMergerAgreement" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <element id="annb_SubsequentEventsTextualAbstract" name="SubsequentEventsTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingDate" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingDate" type="xbrli:dateItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="annb_PreferredStockAdditionalTextualAbstract" name="PreferredStockAdditionalTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
</schema>
