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  <xs:element name="FairValueInputsSellingCosts" id="czfs_FairValueInputsSellingCosts" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
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  <xs:element name="AppraisedCollateralValuesMember" id="czfs_AppraisedCollateralValuesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
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