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      <link:linkbaseRef xlink:type="simple" xlink:href="obaf-20120930_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, all" />
      <link:linkbaseRef xlink:type="simple" xlink:href="obaf-20120930_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, all" />
      <link:linkbaseRef xlink:type="simple" xlink:href="obaf-20120930_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, all" />
      <link:linkbaseRef xlink:type="simple" xlink:href="obaf-20120930_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, 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.sec.gov/dei/2012-01-31" schemaLocation="http://xbrl.sec.gov/dei/2012/dei-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://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd" />
  <import namespace="http://www.xbrl.org/2009/role/net" schemaLocation="http://www.xbrl.org/lrr/role/net-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" />
  <element id="obaf_DocumentAndEntityInformationAbstract" name="DocumentAndEntityInformationAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <element id="obaf_NetDecreaseIncreaseInAdvancesFromBorrowersForTaxesAndInsurance" name="NetDecreaseIncreaseInAdvancesFromBorrowersForTaxesAndInsurance" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="obaf_InterestExpenseFederalHomeLoanBankAdvances" name="InterestExpenseFederalHomeLoanBankAdvances" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="obaf_AmortizationOfBrokeredDepositPremiums" name="AmortizationOfBrokeredDepositPremiums" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="obaf_EmployeeStockOwnershipPlanTextBlock" name="EmployeeStockOwnershipPlanTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="obaf_EntityReorganizationDateOfReorginization" name="EntityReorganizationDateOfReorginization" nillable="true" type="xbrli:gYearMonthItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="obaf_ScheduleOfAvailableForSaleAndHeldToMaturitySecuritiesReconciliationTableTextBlock" name="ScheduleOfAvailableForSaleAndHeldToMaturitySecuritiesReconciliationTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="obaf_TrustPreferredSecuritiesMember" name="TrustPreferredSecuritiesMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="obaf_InvestmentSecuritiesAmortizedCost" name="InvestmentSecuritiesAmortizedCost" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="obaf_InvestmentSecuritiesGrossUnrealizedGains" name="InvestmentSecuritiesGrossUnrealizedGains" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="obaf_InvestmentSecuritiesGrossUnrealizedLosses" name="InvestmentSecuritiesGrossUnrealizedLosses" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="obaf_InvestmentSecuritiesFairValue" name="InvestmentSecuritiesFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="obaf_SecuritiesNumber" name="SecuritiesNumber" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <element id="obaf_NetDeferredCommercialLoanFees" name="NetDeferredCommercialLoanFees" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="obaf_NetDeferredHomeEquityCosts" name="NetDeferredHomeEquityCosts" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="obaf_ServiceBasedMember" name="ServiceBasedMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="obaf_PerformanceBasedMember" name="PerformanceBasedMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="obaf_FairValueAssetsMeasuredOnRecurringBasisPrincipalRepayments" name="FairValueAssetsMeasuredOnRecurringBasisPrincipalRepayments" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="obaf_ImpairedLoans" name="ImpairedLoans" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="obaf_ImpairedLoansMember" name="ImpairedLoansMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
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  <element id="obaf_AccruedInvestmentIncomeReceivableFairValueDisclosure" name="AccruedInvestmentIncomeReceivableFairValueDisclosure" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="obaf_InterestBearingDepositsInBanksFairValueDisclosure" name="InterestBearingDepositsInBanksFairValueDisclosure" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="obaf_EmployeeStockOwnershipPlanEsopUnallocatedSharesFairValue" name="EmployeeStockOwnershipPlanEsopUnallocatedSharesFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="obaf_January12010Member" name="January12010Member" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="obaf_CommonStockSharesIssuedOverallPercent" name="CommonStockSharesIssuedOverallPercent" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="obaf_RealEstateOwned" name="RealEstateOwned" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="obaf_AppraisalAdjustmentsMember" name="AppraisalAdjustmentsMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="obaf_LiquidationExpensesMember" name="LiquidationExpensesMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="obaf_ImmaterialTrustPreferredSecurity" name="ImmaterialTrustPreferredSecurity" nillable="true" type="xbrli:positiveIntegerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <element id="obaf_AccumulatedothercomprehensiveincomelossavailableForSaleSecuritiesAdjustmentBeforeTax1" name="AccumulatedothercomprehensiveincomelossavailableForSaleSecuritiesAdjustmentBeforeTax1" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="obaf_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentTax" name="AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentTax" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="obaf_ScheduleOfOtherComprehensiveIncomeLossTableTextBlock" name="ScheduleOfOtherComprehensiveIncomeLossTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
</schema>
