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      <link:linkbaseRef xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:href="mfsf-20120930_pre.xml" xlink:title="Presentation Links, all"/>
    </appinfo>
  </annotation>
  <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <import namespace="http://fasb.org/us-types/2012-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2012/elts/us-types-2012-01-31.xsd"/>
  <import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd"/>
  <import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd"/>
  <import namespace="http://fasb.org/us-gaap/2012-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd"/>
  <import namespace="http://xbrl.sec.gov/country/2012-01-31" schemaLocation="http://xbrl.sec.gov/country/2012/country-2012-01-31.xsd"/>
  <import namespace="http://xbrl.sec.gov/dei/2012-01-31" schemaLocation="http://xbrl.sec.gov/dei/2012/dei-2012-01-31.xsd"/>
  <import namespace="http://xbrl.sec.gov/invest/2012-01-31" schemaLocation="http://xbrl.sec.gov/invest/2012/invest-2012-01-31.xsd"/>
  <element name="AccumulatedOtherComprehensiveIncomeLossBeforeTaxes" id="mfsf_AccumulatedOtherComprehensiveIncomeLossBeforeTaxes" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax" id="mfsf_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="AccumulatedOtherComprehensiveIncomeLossLineItems" id="mfsf_AccumulatedOtherComprehensiveIncomeLossLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="AccumulatedOtherComprehensiveIncomeLossTable" id="mfsf_AccumulatedOtherComprehensiveIncomeLossTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem"/>
  <element name="AccumulatedOtherComprehensiveIncomeLossTax" id="mfsf_AccumulatedOtherComprehensiveIncomeLossTax" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="AccumulatedOtherComprehensiveIncomeLossUnrealizedGainLossOnDerivativesArisingDuringPeriodBeforeTax" id="mfsf_AccumulatedOtherComprehensiveIncomeLossUnrealizedGainLossOnDerivativesArisingDuringPeriodBeforeTax" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="AccumulatedOtherComprehensiveIncomeLossUnrealizedGainsAndLossesOnOtherThanTemporarilyImpairedSecuritiesBeforeTax" id="mfsf_AccumulatedOtherComprehensiveIncomeLossUnrealizedGainsAndLossesOnOtherThanTemporarilyImpairedSecuritiesBeforeTax" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="AdditionalPaidInCapitalCommonStockMember" id="mfsf_AdditionalPaidInCapitalCommonStockMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="AdditionalPaidInCapitalPreferredStockMember" id="mfsf_AdditionalPaidInCapitalPreferredStockMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="AdvancePaymentsByBorrowersForTaxesAndInsuranceFairValueDisclosure" id="mfsf_AdvancePaymentsByBorrowersForTaxesAndInsuranceFairValueDisclosure" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="AlescoPreferredFundingIXLtdMember" id="mfsf_AlescoPreferredFundingIXLtdMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="AllocationOfEmployeeStockOwnershipPlanShares" id="mfsf_AllocationOfEmployeeStockOwnershipPlanShares" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="AvailableForSaleSecuritiesParValue" id="mfsf_AvailableForSaleSecuritiesParValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="BanksAndOtherFinancialInstitutionsMember" id="mfsf_BanksAndOtherFinancialInstitutionsMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="BoatAndRecreationalVehicleLoanMember" id="mfsf_BoatAndRecreationalVehicleLoanMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="CardAndProcessingExpense" id="mfsf_CardAndProcessingExpense" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="CollateralizedMortgageObligationsIssuedByUnitedStatesGovernmentSponsoredEnterprisesMember" id="mfsf_CollateralizedMortgageObligationsIssuedByUnitedStatesGovernmentSponsoredEnterprisesMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="CollectionAndRepossessionExpenses" id="mfsf_CollectionAndRepossessionExpenses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="ConstructionAndLandDevelopmentMember" id="mfsf_ConstructionAndLandDevelopmentMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DebtInstrumentCreditClass" id="mfsf_DebtInstrumentCreditClass" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DefaultedLoansMember" id="mfsf_DefaultedLoansMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureActivityInAllowanceForLoanLossesByPortfolioSegmentAbstract" id="mfsf_DisclosureActivityInAllowanceForLoanLossesByPortfolioSegmentAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureAgeAnalysisOfPastDueLoansSegregatedByClassOfLoansAbstract" id="mfsf_DisclosureAgeAnalysisOfPastDueLoansSegregatedByClassOfLoansAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureAmortizedCostAndFairValueOfAvailableforSaleSecuritiesByContractualMaturityAbstract" id="mfsf_DisclosureAmortizedCostAndFairValueOfAvailableforSaleSecuritiesByContractualMaturityAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureAmortizedCostAndFairValuesOfSecuritiesAbstract" id="mfsf_DisclosureAmortizedCostAndFairValuesOfSecuritiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureBanksInvestmentInTrustPreferredSecuritiesAbstract" id="mfsf_DisclosureBanksInvestmentInTrustPreferredSecuritiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureCategoriesOfLoansAbstract" id="mfsf_DisclosureCategoriesOfLoansAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureCommercialAndRetailCreditExposureCreditRiskProfileByInternalRatingAbstract" id="mfsf_DisclosureCommercialAndRetailCreditExposureCreditRiskProfileByInternalRatingAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureComponentsOfAccumulatedOtherComprehensiveIncomeAbstract" id="mfsf_DisclosureComponentsOfAccumulatedOtherComprehensiveIncomeAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureDebtSecuritiesForWhichCreditLossWasRecognizedInIncomeAndOtherLossesRecordedInOtherComprehensiveIncomeAbstract" id="mfsf_DisclosureDebtSecuritiesForWhichCreditLossWasRecognizedInIncomeAndOtherLossesRecordedInOtherComprehensiveIncomeAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureDisclosuresAboutFairValueOfAssetsAndLiabilitiesAdditionalInformationAbstract" id="mfsf_DisclosureDisclosuresAboutFairValueOfAssetsAndLiabilitiesAdditionalInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureEarningPerShareAbstract" id="mfsf_DisclosureEarningPerShareAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureEarningsPerShareAdditionalInformationAbstract" id="mfsf_DisclosureEarningsPerShareAdditionalInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureEstimatedFairValuesOfFinancialInstrumentsAbstract" id="mfsf_DisclosureEstimatedFairValuesOfFinancialInstrumentsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureFairValueMeasurementOfAssetsMeasuredAtFairValueOnNonrecurringBasisAbstract" id="mfsf_DisclosureFairValueMeasurementOfAssetsMeasuredAtFairValueOnNonrecurringBasisAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureFairValueMeasurementOfAssetsMeasuredAtFairValueOnRecurringBasisAbstract" id="mfsf_DisclosureFairValueMeasurementOfAssetsMeasuredAtFairValueOnRecurringBasisAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureImpairedLoansAbstract" id="mfsf_DisclosureImpairedLoansAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureInvestmentsAdditionalInformationAbstract" id="mfsf_DisclosureInvestmentsAdditionalInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureInvestmentsGrossUnrealizedLossesAndFairValueAggregatedByInvestmentCategoryAndLengthOfTimeInContinuousUnrealizedLossPositionAbstract" id="mfsf_DisclosureInvestmentsGrossUnrealizedLossesAndFairValueAggregatedByInvestmentCategoryAndLengthOfTimeInContinuousUnrealizedLossPositionAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureLoansAdditionalInformationAbstract" id="mfsf_DisclosureLoansAdditionalInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureNewlyRestructuredLoansByTypeAbstract" id="mfsf_DisclosureNewlyRestructuredLoansByTypeAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureNonAccrualLoansSegregatedByClassOfLoansAbstract" id="mfsf_DisclosureNonAccrualLoansSegregatedByClassOfLoansAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureNonPerformingAssetsExcludingRestructuredLoansAbstract" id="mfsf_DisclosureNonPerformingAssetsExcludingRestructuredLoansAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureQuantitativeInformationAboutUnobservableInputsUsedInRecurringAndNonrecurringLevelThreeFairValueMeasurementsAbstract" id="mfsf_DisclosureQuantitativeInformationAboutUnobservableInputsUsedInRecurringAndNonrecurringLevelThreeFairValueMeasurementsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureReconciliationOfRecurringFairValueMeasurementsRecognizedInBalanceSheetUsingSignificantUnobservableLevelThreeInputsAbstract" id="mfsf_DisclosureReconciliationOfRecurringFairValueMeasurementsRecognizedInBalanceSheetUsingSignificantUnobservableLevelThreeInputsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureTroubledDebtsRestructuredAbstract" id="mfsf_DisclosureTroubledDebtsRestructuredAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureTroubledDebtsRestructuredDefaultedAbstract" id="mfsf_DisclosureTroubledDebtsRestructuredDefaultedAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DocumentDocumentandEntityInformationAbstract" id="mfsf_DocumentDocumentandEntityInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="EarningsPerShareDisclosureLineItems" id="mfsf_EarningsPerShareDisclosureLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="EarningsPerShareDisclosureTable" id="mfsf_EarningsPerShareDisclosureTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem"/>
  <element name="EmployeeStockOwnershipPlanPlanMember" id="mfsf_EmployeeStockOwnershipPlanPlanMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" id="mfsf_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="FairValueInputDiscountRate" id="mfsf_FairValueInputDiscountRate" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="FairValueInputsCostsToService" id="mfsf_FairValueInputsCostsToService" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="FairValueInputsCumulativeProjectedPrepaymentsRate" id="mfsf_FairValueInputsCumulativeProjectedPrepaymentsRate" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="FairValueInputsLossSeverityRate" id="mfsf_FairValueInputsLossSeverityRate" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="FairValueInputsProjectedCuresRate" id="mfsf_FairValueInputsProjectedCuresRate" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAndLiabilitiesChangeInUnrealizedGainsLossesIncludedInEarnings" id="mfsf_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAndLiabilitiesChangeInUnrealizedGainsLossesIncludedInEarnings" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="FinancingReceivableCombinationModifications" id="mfsf_FinancingReceivableCombinationModifications" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="FinancingReceivableInterestOnlyModifications" id="mfsf_FinancingReceivableInterestOnlyModifications" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="FinancingReceivableModificationsNumberOfContractsDuringPeriod" id="mfsf_FinancingReceivableModificationsNumberOfContractsDuringPeriod" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod" id="mfsf_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod" id="mfsf_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="FinancingReceivableRecordedInvestmentNonperforming" id="mfsf_FinancingReceivableRecordedInvestmentNonperforming" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="FinancingReceivableTermModifications" id="mfsf_FinancingReceivableTermModifications" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="ImpairedFinancingReceivableNetInvestment" id="mfsf_ImpairedFinancingReceivableNetInvestment" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="ImpairedFinancingReceivablesWithNoRelatedAllowanceMember" id="mfsf_ImpairedFinancingReceivablesWithNoRelatedAllowanceMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="ImpairedFinancingReceivablesWithRelatedAllowanceMember" id="mfsf_ImpairedFinancingReceivablesWithRelatedAllowanceMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="ImpairedLoanBalanceThatRequireAppraisalForImpairedLoanValuationProcedure" id="mfsf_ImpairedLoanBalanceThatRequireAppraisalForImpairedLoanValuationProcedure" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="ImpairedLoansMember" id="mfsf_ImpairedLoansMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="IncreaseDecreaseInAccruedInterestPayableAndOtherLiabilities" id="mfsf_IncreaseDecreaseInAccruedInterestPayableAndOtherLiabilities" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="IncreaseDecreaseInAccruedInterestReceivableAndOtherAssets" id="mfsf_IncreaseDecreaseInAccruedInterestReceivableAndOtherAssets" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="InsuranceCompaniesMember" id="mfsf_InsuranceCompaniesMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="InterestBearingDepositsWithBanksFairValueDisclosure" id="mfsf_InterestBearingDepositsWithBanksFairValueDisclosure" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="InterestPayableFairValueDisclosure" id="mfsf_InterestPayableFairValueDisclosure" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="InterestReceivableFairValueDisclosure" id="mfsf_InterestReceivableFairValueDisclosure" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="LoansTransferredFromLoansToOtherRealEstateOwned" id="mfsf_LoansTransferredFromLoansToOtherRealEstateOwned" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="MortgageBackedSecuritiesIssuedBySmallBusinessAdministrationMember" id="mfsf_MortgageBackedSecuritiesIssuedBySmallBusinessAdministrationMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="MortgageServicingRightsCapitalized" id="mfsf_MortgageServicingRightsCapitalized" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="MortgageServicingRightsMember" id="mfsf_MortgageServicingRightsMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="NewTroubledDebtRestructuringsMember" id="mfsf_NewTroubledDebtRestructuringsMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="NonAccrualLoansMember" id="mfsf_NonAccrualLoansMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="NonperformingAssets" id="mfsf_NonperformingAssets" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="NonPerformingLoansTextBlock" id="mfsf_NonPerformingLoansTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="NumberOfBanksCurrentlyPerforming" id="mfsf_NumberOfBanksCurrentlyPerforming" type="xbrli:integerItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="OneToFourFamilyMember" id="mfsf_OneToFourFamilyMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="OtherLoansMember" id="mfsf_OtherLoansMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="OtherNonperformingAssets" id="mfsf_OtherNonperformingAssets" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="OtherRealEstateAndForeclosureAssetsMember" id="mfsf_OtherRealEstateAndForeclosureAssetsMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PercentageOfActualDeferralsAndDefaultsToOriginalCollateral" id="mfsf_PercentageOfActualDeferralsAndDefaultsToOriginalCollateral" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PercentageOfExpectedDeferralsAndDefaultsToRemainingPerformingCollateral" id="mfsf_PercentageOfExpectedDeferralsAndDefaultsToRemainingPerformingCollateral" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PercentageOfExpectedRecoveriesToRemainingPerformingCollateral" id="mfsf_PercentageOfExpectedRecoveriesToRemainingPerformingCollateral" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PercentageOfTotalInvestmentPortfolioInUnrealizedLossPositionFairValue" id="mfsf_PercentageOfTotalInvestmentPortfolioInUnrealizedLossPositionFairValue" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PooledTrustPreferredSecuritiesMember" id="mfsf_PooledTrustPreferredSecuritiesMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PortionOfImpairmentLossRecognizedInOtherComprehensiveIncome" id="mfsf_PortionOfImpairmentLossRecognizedInOtherComprehensiveIncome" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PreferredTermSecuritiesXIIIMember" id="mfsf_PreferredTermSecuritiesXIIIMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PreferredTermSecuritiesXVIIIMember" id="mfsf_PreferredTermSecuritiesXVIIIMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PreferredTermSecuritiesXXVIIMember" id="mfsf_PreferredTermSecuritiesXXVIIMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PrepaidFederalDepositInsuranceCorporationFees" id="mfsf_PrepaidFederalDepositInsuranceCorporationFees" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="ProjectedWeightedAverageDefaultRates" id="mfsf_ProjectedWeightedAverageDefaultRates" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="TemporarilyImpairedSecuritiesMember" id="mfsf_TemporarilyImpairedSecuritiesMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="TroubledDebtRestructuringMember" id="mfsf_TroubledDebtRestructuringMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="TroubledDebtRestructuringsOnFinancingReceivablesByTypeOfRestructuringTableTextBlock" id="mfsf_TroubledDebtRestructuringsOnFinancingReceivablesByTypeOfRestructuringTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="TroubledDebtRestructuringsOnFinancingReceivablesSubsequentlyDefaultedTableTextBlock" id="mfsf_TroubledDebtRestructuringsOnFinancingReceivablesSubsequentlyDefaultedTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="USCapitalFundingOneMember" id="mfsf_USCapitalFundingOneMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="USCapitalFundingThreeMember" id="mfsf_USCapitalFundingThreeMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
</schema>
