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  <element id="efsi_FairValueAssetsMeasurementsOnNonrecurringBasisLineItems" name="FairValueAssetsMeasurementsOnNonrecurringBasisLineItems" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <element id="efsi_AmountOfContract" name="AmountOfContract" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="efsi_NumberOfLoansRestructuredGrantingInterestRateReductions" name="NumberOfLoansRestructuredGrantingInterestRateReductions" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="efsi_NumberOfLoansStructuredPaymentRequirementsModified" name="NumberOfLoansStructuredPaymentRequirementsModified" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="efsi_NumberOfTroubledDebtLoansRestructuredByChangingAmortizationPeriod" name="NumberOfTroubledDebtLoansRestructuredByChangingAmortizationPeriod" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="efsi_NumberOfTroubledDebtLoansRestructuredByConsolidationOfDebt" name="NumberOfTroubledDebtLoansRestructuredByConsolidationOfDebt" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="efsi_NewBranchConstructionAbstract" name="NewBranchConstructionAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <element id="efsi_NewBranchConstructionTableTextBlock" name="NewBranchConstructionTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
</schema>
