<?xml version="1.0" encoding="US-ASCII" ?>
    <!-- Field: Doc-Info; Name: Generator; Value: GoFiler Complete; Version: 3.3b -->
    <!-- Field: Doc-Info; Name: VendorURI; Value: http://www.novaworks.co -->
    <!-- Field: Doc-Info; Name: Source; Value: P:\EDGARizer\Clients\OptimumBank Holdings\XBRL\20120630\OPTIMUMBANKQ22012DFT.xfr; Date: 2012/08/10T15:27:29 -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
<schema xmlns="http://www.w3.org/2001/XMLSchema" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:dei="http://xbrl.sec.gov/dei/2012-01-31" xmlns:us-gaap="http://fasb.org/us-gaap/2012-01-31" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:us-types="http://fasb.org/us-types/2012-01-31" xmlns:ophc="http://optimumbank.com/20120630" elementFormDefault="qualified" targetNamespace="http://optimumbank.com/20120630">
    <annotation>
      <appinfo>
	<link:roleType roleURI="http://optimumbank.com/role/DocumentAndEntityInformation" id="DocumentAndEntityInformation">
	  <link:definition>0001 - Document - Document and Entity Information</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/CondensedConsolidatedBalanceSheets" id="CondensedConsolidatedBalanceSheets">
	  <link:definition>0002 - Statement - Condensed Consolidated Balance Sheets</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/CondensedConsolidatedBalanceSheetsParenthetical" id="CondensedConsolidatedBalanceSheetsParenthetical">
	  <link:definition>0003 - Statement - Condensed Consolidated Balance Sheets (Parenthetical)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/CondensedConsolidatedStatementsOfOperations" id="CondensedConsolidatedStatementsOfOperations">
	  <link:definition>0004 - Statement - Condensed Consolidated Statements Of Operations</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/ConsolidatedStatementsOfComprehensiveLoss" id="ConsolidatedStatementsOfComprehensiveLoss">
	  <link:definition>0005 - Statement - Consolidated Statements Of Comprehensive Loss</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/ConsolidatedStatementsOfStockholdersEquity" id="ConsolidatedStatementsOfStockholdersEquity">
	  <link:definition>0006 - Statement - Consolidated Statements Of Stockholders' Equity</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/CondensedConsolidatedStatementsOfCashFlows" id="CondensedConsolidatedStatementsOfCashFlows">
	  <link:definition>0007 - Statement - Condensed Consolidated Statements Of Cash Flows</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/General" id="General">
	  <link:definition>0008 - Disclosure - General</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/Securities" id="Securities">
	  <link:definition>0009 - Disclosure - Securities</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/Loans" id="Loans">
	  <link:definition>0010 - Disclosure - Loans</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/RegulatoryCapital" id="RegulatoryCapital">
	  <link:definition>0011 - Disclosure - Regulatory Capital</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/LossPerShare" id="LossPerShare">
	  <link:definition>0012 - Disclosure - Loss Per Share</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/Stock-BasedCompensation" id="Stock-BasedCompensation">
	  <link:definition>0013 - Disclosure - Stock-Based Compensation</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/FairValueMeasurements" id="FairValueMeasurements">
	  <link:definition>0014 - Disclosure - Fair Value Measurements</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/RegulatoryMatters-Company" id="RegulatoryMatters-Company">
	  <link:definition>0015 - Disclosure - Regulatory Matters - Company</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/RegulatoryMatters-Bank" id="RegulatoryMatters-Bank">
	  <link:definition>0016 - Disclosure - Regulatory Matters - Bank</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/JuniorSubordinatedDebenture" id="JuniorSubordinatedDebenture">
	  <link:definition>0017 - Disclosure - Junior Subordinated Debenture</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/GeneralPolicies" id="GeneralPolicies">
	  <link:definition>0018 - Disclosure - General (Policies)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/SecuritiesTables" id="SecuritiesTables">
	  <link:definition>0019 - Disclosure - Securities (Tables)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/LoansTables" id="LoansTables">
	  <link:definition>0020 - Disclosure - Loans (Tables)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/RegulatoryCapitalTables" id="RegulatoryCapitalTables">
	  <link:definition>0021 - Disclosure - Regulatory Capital (Tables)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/LossPerShareTables" id="LossPerShareTables">
	  <link:definition>0022 - Disclosure - Loss Per Share (Tables)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/Stock-BasedCompensationTables" id="Stock-BasedCompensationTables">
	  <link:definition>0023 - Disclosure - Stock-Based Compensation (Tables)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/FairValueMeasurementsTables" id="FairValueMeasurementsTables">
	  <link:definition>0024 - Disclosure - Fair Value Measurements (Tables)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/GeneralDetailsNarrative" id="GeneralDetailsNarrative">
	  <link:definition>0025 - Disclosure - General (Details Narrative)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/SecuritiesDetailsNarrative" id="SecuritiesDetailsNarrative">
	  <link:definition>0026 - Disclosure - Securities (Details Narrative)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/SecuritiesDetails" id="SecuritiesDetails">
	  <link:definition>0027 - Disclosure - Securities (Details)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/SecuritiesDetails1" id="SecuritiesDetails1">
	  <link:definition>0028 - Disclosure - Securities (Details 1)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/LoansDetails" id="LoansDetails">
	  <link:definition>0029 - Disclosure - Loans (Details)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/LoansDetails1" id="LoansDetails1">
	  <link:definition>0030 - Disclosure - Loans (Details 1)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/LoansDetails2" id="LoansDetails2">
	  <link:definition>0031 - Disclosure - Loans (Details 2)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/LoansDetails3" id="LoansDetails3">
	  <link:definition>0032 - Disclosure - Loans (Details 3)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/LoansDetails4" id="LoansDetails4">
	  <link:definition>0033 - Disclosure - Loans (Details 4)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/LoansDetails5" id="LoansDetails5">
	  <link:definition>0034 - Disclosure - Loans (Details 5)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/RegulatoryCapitalDetails" id="RegulatoryCapitalDetails">
	  <link:definition>0035 - Disclosure - Regulatory Capital (Details)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/LossPerShareDetails" id="LossPerShareDetails">
	  <link:definition>0036 - Disclosure - Loss Per Share (Details)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/Stock-BasedCompensationDetails" id="Stock-BasedCompensationDetails">
	  <link:definition>0037 - Disclosure - Stock-Based Compensation (Details)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/FairValueMeasurementsDetails" id="FairValueMeasurementsDetails">
	  <link:definition>0038 - Disclosure - Fair Value Measurements (Details)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/FairValueMeasurementsDetails1" id="FairValueMeasurementsDetails1">
	  <link:definition>0039 - Disclosure - Fair Value Measurements (Details 1)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/FairValueMeasurementsDetails2" id="FairValueMeasurementsDetails2">
	  <link:definition>0040 - Disclosure - Fair Value Measurements (Details 2)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/RegulatoryMatters-BankDetailsNarrative" id="RegulatoryMatters-BankDetailsNarrative">
	  <link:definition>0041 - Disclosure - Regulatory Matters - Bank (Details Narrative)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://optimumbank.com/role/JuniorSubordinatedDebentureDetailsNarrative" id="JuniorSubordinatedDebentureDetailsNarrative">
	  <link:definition>0042 - Disclosure - Junior Subordinated Debenture (Details Narrative)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:linkbaseRef xlink:type="simple" xlink:href="ophc-20120630_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Presentation Links" />
	<link:linkbaseRef xlink:type="simple" xlink:href="ophc-20120630_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Label Links" />
	<link:linkbaseRef xlink:type="simple" xlink:href="ophc-20120630_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Calculation Links" />
	<link:linkbaseRef xlink:type="simple" xlink:href="ophc-20120630_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Definition Links" />
      </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://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://xbrl.sec.gov/dei/2012-01-31" schemaLocation="http://xbrl.sec.gov/dei/2012/dei-2012-01-31.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://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" />
    <import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" />
    <element id="ophc_MultiFamilyRealEstateMember" name="MultiFamilyRealEstateMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_CommercialRealEstateOwnerOccupiedMember" name="CommercialRealEstateOwnerOccupiedMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_CommercialRealEstateNonOwnerOccupiedMember" name="CommercialRealEstateNonOwnerOccupiedMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_ConsumerLoansNonRealEstateSecuredMember" name="ConsumerLoansNonRealEstateSecuredMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_ConsumerLoansRealEstateSecuredMember" name="ConsumerLoansRealEstateSecuredMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_CommercialRealEstateNonOwnerOccupiedRecordedAllowanceMember" name="CommercialRealEstateNonOwnerOccupiedRecordedAllowanceMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_DocumentAndEntityInformationAbstract" name="DocumentAndEntityInformationAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_DepositsSavingsNegotiableOrderOfWithdrawalAndMoneyMarketDeposits" name="DepositsSavingsNegotiableOrderOfWithdrawalAndMoneyMarketDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_OfficialChecks" name="OfficialChecks" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_OccupancyAndEquipment" name="OccupancyAndEquipment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_RegulatoryAssessment" name="RegulatoryAssessment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_WriteDownOfForeclosedRealEstate" name="WriteDownOfForeclosedRealEstate" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_CapitalImprovementsOnForeclosedRealEstate" name="CapitalImprovementsOnForeclosedRealEstate" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_NetIncreaseInAdvancedPaymentsByBorrowersForTaxesAndInsurance" name="NetIncreaseInAdvancedPaymentsByBorrowersForTaxesAndInsurance" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_LoansTransferredToForeclosedRealEstate" name="LoansTransferredToForeclosedRealEstate" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_GeneralAbstract" name="GeneralAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_SecuritiesAbstract" name="SecuritiesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_LoansAbstract" name="LoansAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_RegulatoryCapitalAbstract" name="RegulatoryCapitalAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_LossPerShareAbstract" name="LossPerShareAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_StockbasedCompensationAbstract" name="StockbasedCompensationAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_RegulatoryMattersCompanyAbstract" name="RegulatoryMattersCompanyAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_RegulatoryMattersCompanyTextBlock" name="RegulatoryMattersCompanyTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_RegulatoryMattersBankAbstract" name="RegulatoryMattersBankAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_RegulatoryMattersBankTextBlock" name="RegulatoryMattersBankTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_JuniorSubordinatedDebentureAbstract" name="JuniorSubordinatedDebentureAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_JuniorSubordinatedDebentureTextBlock" name="JuniorSubordinatedDebentureTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_GeneralPolicies1Abstract" name="GeneralPolicies1Abstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_SecuritiesTablesAbstract" name="SecuritiesTablesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_LoansTablesAbstract" name="LoansTablesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_RegulatoryCapitalTablesAbstract" name="RegulatoryCapitalTablesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_LossPerShareTablesAbstract" name="LossPerShareTablesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_StockbasedCompensationTablesAbstract" name="StockbasedCompensationTablesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_FairValueMeasurementsTablesAbstract" name="FairValueMeasurementsTablesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_GeneralDetailsNarrativeAbstract" name="GeneralDetailsNarrativeAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_SecuritiesDetailsNarrativeAbstract" name="SecuritiesDetailsNarrativeAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_HeldToMaturitySecuritiesTransferredSecurityFairValue" name="HeldToMaturitySecuritiesTransferredSecurityFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_SecuritiesDetailsAbstract" name="SecuritiesDetailsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_CarryingAmountOfSecuritiesAndApproximateFairValuesAbstract" name="CarryingAmountOfSecuritiesAndApproximateFairValuesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_SecuritiesDetails1Abstract" name="SecuritiesDetails1Abstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_SecuritiesWithGrossUnrealizedLossesAggregatedByInvestmentCategoryAndLengthOfTimeForContinuousLossPositionAbstract" name="SecuritiesWithGrossUnrealizedLossesAggregatedByInvestmentCategoryAndLengthOfTimeForContinuousLossPositionAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_LoansDetailsAbstract" name="LoansDetailsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_SegmentsOfLoansAbstract" name="SegmentsOfLoansAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_LoansDetails1Abstract" name="LoansDetails1Abstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_LoansDetails2Abstract" name="LoansDetails2Abstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_LoanCreditQualityAbstract" name="LoanCreditQualityAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_NumberOfRealEstateMortgageLoanSegmentsCategory" name="NumberOfRealEstateMortgageLoanSegmentsCategory" nillable="true" xbrli:periodType="duration" type="xbrli:integerItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_ConsumerLoansMaximumTerm" name="ConsumerLoansMaximumTerm" nillable="true" xbrli:periodType="duration" type="xbrli:integerItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_LoansDetails3Abstract" name="LoansDetails3Abstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_LoansDetails4Abstract" name="LoansDetails4Abstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_ImpairedLoansAbstract" name="ImpairedLoansAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_NotesToFinancialStatementsAbstract" name="NotesToFinancialStatementsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_RegulatoryCapitalDetailsAbstract" name="RegulatoryCapitalDetailsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_LossPerShareDetailsAbstract" name="LossPerShareDetailsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_StockbasedCompensationDetailsAbstract" name="StockbasedCompensationDetailsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod2" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod2" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm2" name="SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm2" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_FairValueMeasurementsDetailsAbstract" name="FairValueMeasurementsDetailsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_SecuritiesAvailableForSaleMeasuredAtFairValueOnRecurringBasisAbstract" name="SecuritiesAvailableForSaleMeasuredAtFairValueOnRecurringBasisAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_FairValueMeasurementsDetails1Abstract" name="FairValueMeasurementsDetails1Abstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_ImpairedCollateraldependentLoansWhichAreMeasuredAtFairValueOnNonrecurringBasisAbstract" name="ImpairedCollateraldependentLoansWhichAreMeasuredAtFairValueOnNonrecurringBasisAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_DifferenceBetweenCollateralValueAndCarryingValueOfFinancingReceivable" name="DifferenceBetweenCollateralValueAndCarryingValueOfFinancingReceivable" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_DifferenceBetweenCollateralValueAndCarryingValueOfFinancingReceivableRecognizedLosses" name="DifferenceBetweenCollateralValueAndCarryingValueOfFinancingReceivableRecognizedLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_ForeclosedRealEstateWhichIsMeasuredAtFairValueOnNonrecurringBasisAbstract" name="ForeclosedRealEstateWhichIsMeasuredAtFairValueOnNonrecurringBasisAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_DifferenceBetweenCollateralValueAndCarryingValueOfForeclosedRealEstate" name="DifferenceBetweenCollateralValueAndCarryingValueOfForeclosedRealEstate" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_DifferenceBetweenCollateralValueAndCarryingValueOfForeclosedRealEstateRecognizedLosses" name="DifferenceBetweenCollateralValueAndCarryingValueOfForeclosedRealEstateRecognizedLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_FairValueMeasurementsDetails3Abstract" name="FairValueMeasurementsDetails3Abstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_EstimatedFairValuesOfFinancialInstrumentsAbstract" name="EstimatedFairValuesOfFinancialInstrumentsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_RegulatoryMattersBankDetailsNarrativeAbstract" name="RegulatoryMattersBankDetailsNarrativeAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_MaximumPercentageAssetGrowthThresholdToNotifyToFDICAndOFR" name="MaximumPercentageAssetGrowthThresholdToNotifyToFDICAndOFR" nillable="true" xbrli:periodType="duration" type="num:percentItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_JuniorSubordinatedDebentureDetailsNarrativeAbstract" name="JuniorSubordinatedDebentureDetailsNarrativeAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="ophc_ExtensionOfInterestPaymentPeriod" name="ExtensionOfInterestPaymentPeriod" nillable="true" xbrli:periodType="duration" type="xbrli:integerItemType" substitutionGroup="xbrli:item" />
</schema>
