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  <xsd:element name="OneToFourFamilyLoansMember" id="fclf_OneToFourFamilyLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MultiFamilyLoansMember" id="fclf_MultiFamilyLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ConstructionAndLandLoansMember" id="fclf_ConstructionAndLandLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AutomobileAndOtherLoanMember" id="fclf_AutomobileAndOtherLoanMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansAndLeasesReceivableGrossCarryingAmountPercentage" id="fclf_LoansAndLeasesReceivableGrossCarryingAmountPercentage" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansAndLeasesReceivableSecuredBySingleFamilyDwellingsRatioOccasionallyExceeded" id="fclf_LoansAndLeasesReceivableSecuredBySingleFamilyDwellingsRatioOccasionallyExceeded" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ImpairedFinancingReceivableRelatedAllowanceAbstract" id="fclf_ImpairedFinancingReceivableRelatedAllowanceAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivableModificationsPeriod" id="fclf_FinancingReceivableModificationsPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivableModificationsMadeNumberOfContracts" id="fclf_FinancingReceivableModificationsMadeNumberOfContracts" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivableModificationsMadePreModificationRecordedInvestment1" id="fclf_FinancingReceivableModificationsMadePreModificationRecordedInvestment1" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivableModificationsMadePostModificationRecordedInvestment1" id="fclf_FinancingReceivableModificationsMadePostModificationRecordedInvestment1" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivableModificationsAllowanceForCreditLossesPeriodIncreaseDecrease" id="fclf_FinancingReceivableModificationsAllowanceForCreditLossesPeriodIncreaseDecrease" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="EmployeeStockOwnershipPlanESOPRequisiteAgeOfEmployees" id="fclf_EmployeeStockOwnershipPlanESOPRequisiteAgeOfEmployees" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EmployeeStockOwnershipPlanRequisiteServicePeriod" id="fclf_EmployeeStockOwnershipPlanRequisiteServicePeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EmployeeStockOwnershipPlanESOPLoanRepaymentPeriod" id="fclf_EmployeeStockOwnershipPlanESOPLoanRepaymentPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EmployeeStockOwnershipPlanESOPNumberOfSharesCancelled" id="fclf_EmployeeStockOwnershipPlanESOPNumberOfSharesCancelled" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="EmployeeStockOwnershipPlanESOPNumberOfUnallocatedShares" id="fclf_EmployeeStockOwnershipPlanESOPNumberOfUnallocatedShares" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="EmployeeStockOwnershipPlanESOPSharesCancelledPricePerShare" id="fclf_EmployeeStockOwnershipPlanESOPSharesCancelledPricePerShare" type="num:perShareItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="FairValueInputsAppraisalPerformancePeriodForApplicationOfAdditionalDiscount" id="fclf_FairValueInputsAppraisalPerformancePeriodForApplicationOfAdditionalDiscount" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivableInformationByImpairmentTypeAxis" id="fclf_FinancingReceivableInformationByImpairmentTypeAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivableInformationByImpairmentTypeDomain" id="fclf_FinancingReceivableInformationByImpairmentTypeDomain" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ForeclosedAssetsMember" id="fclf_ForeclosedAssetsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ImpairedLoansMember" id="fclf_ImpairedLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivableAdditionalInformationAbstract" id="fclf_FinancingReceivableAdditionalInformationAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansReceivableExcludingImpairedLoansWithReserveFairValueDisclosure" id="fclf_LoansReceivableExcludingImpairedLoansWithReserveFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="FairValueBalanceSheetGroupingTextBlock" id="fclf_FairValueBalanceSheetGroupingTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivableModificationsMadeRecordedInvestment" id="fclf_FinancingReceivableModificationsMadeRecordedInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="TroubledDebtRestructuringsOnFinancingReceivablesSubsequentDefaultTableTextBlock" id="fclf_TroubledDebtRestructuringsOnFinancingReceivablesSubsequentDefaultTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AllowanceForLoanAndLeaseLossesCumulativeWriteOffs" id="fclf_AllowanceForLoanAndLeaseLossesCumulativeWriteOffs" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="MortgageServicingRightsIncome" id="fclf_MortgageServicingRightsIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
</xsd:schema>
