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  <xsd:element name="HeldToMaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis" id="bkj_HeldToMaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="HeldToMaturitySecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis" id="bkj_HeldToMaturitySecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="MarketableSecuritiesPledgedAsCollateral" id="bkj_MarketableSecuritiesPledgedAsCollateral" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="MarketableSecuritiesPledgedAsCollateralAmortizedCost" id="bkj_MarketableSecuritiesPledgedAsCollateralAmortizedCost" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="HeldToMaturitySecuritiesDebtMaturitiesAmortizedCostBasisRollingMaturityAbstract" id="bkj_HeldToMaturitySecuritiesDebtMaturitiesAmortizedCostBasisRollingMaturityAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IncrementalCommonSharesAttributableToShareBasedPaymentArrangementsWeightedAveragePrice" id="bkj_IncrementalCommonSharesAttributableToShareBasedPaymentArrangementsWeightedAveragePrice" type="num:perShareItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NonaccrualStatusFinancingReceivableNumberOfLoans" id="bkj_NonaccrualStatusFinancingReceivableNumberOfLoans" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="AllowanceForCreditLossesOnNonAccrualFinancingReceivable" id="bkj_AllowanceForCreditLossesOnNonAccrualFinancingReceivable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="NonAccrualFinancingReceivableOutstandingPrincipalAmountWithNoRelatedAllowance" id="bkj_NonAccrualFinancingReceivableOutstandingPrincipalAmountWithNoRelatedAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="NonAccrualFinancingReceivableOutstandingPrincipalAmountWithRelatedAllowance" id="bkj_NonAccrualFinancingReceivableOutstandingPrincipalAmountWithRelatedAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="NonaccrualStatusFinancingReceivableWithRelatedAllowanceNumberOfLoans" id="bkj_NonaccrualStatusFinancingReceivableWithRelatedAllowanceNumberOfLoans" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="NonaccrualStatusFinancingReceivableWithNoRelatedAllowanceNumberOfLoans" id="bkj_NonaccrualStatusFinancingReceivableWithNoRelatedAllowanceNumberOfLoans" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="ImpairedFinancingReceivableWithRelatedAllowanceNumberOfLoans" id="bkj_ImpairedFinancingReceivableWithRelatedAllowanceNumberOfLoans" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="ImpairedFinancingReceivableWithNoRelatedAllowanceNumberOfLoans" id="bkj_ImpairedFinancingReceivableWithNoRelatedAllowanceNumberOfLoans" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="FinancingReceivableModificationsOutstandingPrincipalAmountWithNoRelatedAllowance" id="bkj_FinancingReceivableModificationsOutstandingPrincipalAmountWithNoRelatedAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="ImpairedFinancingReceivableRelatedAllowanceAbstract" id="bkj_ImpairedFinancingReceivableRelatedAllowanceAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AllowanceForCreditLossesTableTextBlock" id="bkj_AllowanceForCreditLossesTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfImpairedFinancingReceivablesTableTextBlock" id="bkj_ScheduleOfImpairedFinancingReceivablesTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TroubledDebtRestructuringsOnFinancingReceivablesPreAndPostModificationTableTextBlock" id="bkj_TroubledDebtRestructuringsOnFinancingReceivablesPreAndPostModificationTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TroubledDebtRestructuringsOnFinancingReceivablesPerformingAccordingToAgreementTableTextBlock" id="bkj_TroubledDebtRestructuringsOnFinancingReceivablesPerformingAccordingToAgreementTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DebtInstrumentMaturityPeriodMaximum" id="bkj_DebtInstrumentMaturityPeriodMaximum" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OrganizationConsolidationAndPresentationOfFinancialStatementsAndSignificantAccountingPoliciesTable" id="bkj_OrganizationConsolidationAndPresentationOfFinancialStatementsAndSignificantAccountingPoliciesTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OrganizationConsolidationAndPresentationOfFinancialStatementsAndSignificantAccountingPoliciesLineItems" id="bkj_OrganizationConsolidationAndPresentationOfFinancialStatementsAndSignificantAccountingPoliciesLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ImpairedLoansFairValueDisclosure" id="bkj_ImpairedLoansFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="NonaccrualStatusLoansAbstract" id="bkj_NonaccrualStatusLoansAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ImpairedFinancingReceivablesAbstract" id="bkj_ImpairedFinancingReceivablesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TroubledDebtRestructuringsLineItems" id="bkj_TroubledDebtRestructuringsLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NonaccrualStatusFinancingReceivableInterestIncomeAccrualMethod" id="bkj_NonaccrualStatusFinancingReceivableInterestIncomeAccrualMethod" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="NonaccrualFinancingReceivableWithNoRelatedAllowanceRecordedInvestment" id="bkj_NonaccrualFinancingReceivableWithNoRelatedAllowanceRecordedInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="NonaccrualFinancingReceivableWithRelatedAllowanceRecordedInvestment" id="bkj_NonaccrualFinancingReceivableWithRelatedAllowanceRecordedInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="NonaccrualFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance" id="bkj_NonaccrualFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="NonaccrualFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance" id="bkj_NonaccrualFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="NonaccrualFinancingReceivableUnpaidPrincipalBalance" id="bkj_NonaccrualFinancingReceivableUnpaidPrincipalBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="NonaccrualFinancingReceivableRelatedAllowance" id="bkj_NonaccrualFinancingReceivableRelatedAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="ScheduleOfNonaccrualFinancingReceivableTable" id="bkj_ScheduleOfNonaccrualFinancingReceivableTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NonaccrualFinancingReceivableLineItems" id="bkj_NonaccrualFinancingReceivableLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NonaccrualFinancingReceivableAverageRecordedInvestmentAbstract" id="bkj_NonaccrualFinancingReceivableAverageRecordedInvestmentAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NonaccrualFinancingReceivableInterestIncomeAccrualMethodAbstract" id="bkj_NonaccrualFinancingReceivableInterestIncomeAccrualMethodAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NonaccrualFinancingReceivableRecordedInvestmentAbstract" id="bkj_NonaccrualFinancingReceivableRecordedInvestmentAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NonaccrualFinancingReceivableUnpaidPrincipalBalanceAbstract" id="bkj_NonaccrualFinancingReceivableUnpaidPrincipalBalanceAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NonaccrualFinancingReceivableRelatedAllowanceAbstract" id="bkj_NonaccrualFinancingReceivableRelatedAllowanceAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NonaccrualFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment" id="bkj_NonaccrualFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="NonaccrualFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment" id="bkj_NonaccrualFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="NonaccrualFinancingReceivableAverageRecordedInvestment" id="bkj_NonaccrualFinancingReceivableAverageRecordedInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="NonaccrualFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod" id="bkj_NonaccrualFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="NonaccrualFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod" id="bkj_NonaccrualFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="NonaccrualFinancingReceivableInterestIncomeAccrualMethod" id="bkj_NonaccrualFinancingReceivableInterestIncomeAccrualMethod" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfNonaccrualFinancingReceivablesTableTextBlock" id="bkj_ScheduleOfNonaccrualFinancingReceivablesTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivableModificationTypeAxis" id="bkj_FinancingReceivableModificationTypeAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivableModificationTypeDomain" id="bkj_FinancingReceivableModificationTypeDomain" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CombinationModificationMember" id="bkj_CombinationModificationMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivableModificationsRecordedInvestmentAccrualStatus" id="bkj_FinancingReceivableModificationsRecordedInvestmentAccrualStatus" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="FinancingReceivableModificationsRecordedInvestmentNonaccrualStatus" id="bkj_FinancingReceivableModificationsRecordedInvestmentNonaccrualStatus" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="FairValueInputsLiquidationExpenses" id="bkj_FairValueInputsLiquidationExpenses" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
</xsd:schema>
