<?xml version="1.0" encoding="us-ascii"?>
<!--Generated by EDGARfilings PROfile 5.1.0.0 Broadridge-->
<xs:schema targetNamespace="http://firstcitizensbank.com/20181231" elementFormDefault="qualified" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:czfs="http://firstcitizensbank.com/20181231" xmlns:us-types="http://fasb.org/us-types/2018-01-31" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:invest="http://xbrl.sec.gov/invest/2013-01-31" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:dei="http://xbrl.sec.gov/dei/2018-01-31">
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="czfs-20181231_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="czfs-20181231_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="czfs-20181231_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="czfs-20181231_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:roleType roleURI="http://firstcitizensbank.com/role/DocumentAndEntityInformation" id="DocumentAndEntityInformation">
        <link:definition>000100 - 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://firstcitizensbank.com/role/ConsolidatedBalanceSheet" id="ConsolidatedBalanceSheet">
        <link:definition>010000 - Statement - Consolidated Balance Sheet</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://firstcitizensbank.com/role/ConsolidatedBalanceSheetParenthetical" id="ConsolidatedBalanceSheetParenthetical">
        <!--Parent Role: Consolidated Balance Sheet-->
        <link:definition>010100 - Statement - Consolidated Balance Sheet (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://firstcitizensbank.com/role/ConsolidatedStatementOfIncome" id="ConsolidatedStatementOfIncome">
        <link:definition>020000 - Statement - Consolidated Statement of Income</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://firstcitizensbank.com/role/ConsolidatedStatementOfChangesInComprehensiveIncome" id="ConsolidatedStatementOfChangesInComprehensiveIncome">
        <link:definition>030000 - Statement - Consolidated Statement of Changes in Comprehensive Income</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://firstcitizensbank.com/role/ConsolidatedStatementOfChangesInStockholdersEquity" id="ConsolidatedStatementOfChangesInStockholdersEquity">
        <link:definition>040000 - Statement - Consolidated Statement of Changes in 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://firstcitizensbank.com/role/ConsolidatedStatementOfChangesInStockholdersEquityParenthetical" id="ConsolidatedStatementOfChangesInStockholdersEquityParenthetical">
        <!--Parent Role: Consolidated Statement of Changes in Stockholders' Equity-->
        <link:definition>040100 - Statement - Consolidated Statement of Changes in Stockholders' Equity (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://firstcitizensbank.com/role/ConsolidatedStatementOfCashFlows" id="ConsolidatedStatementOfCashFlows">
        <link:definition>050000 - Statement - Consolidated Statement 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://firstcitizensbank.com/role/SummaryOfSignificantAccountingPolicies" id="SummaryOfSignificantAccountingPolicies">
        <link:definition>060100 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING 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://firstcitizensbank.com/role/RevenueRecognition" id="RevenueRecognition">
        <link:definition>060200 - Disclosure - REVENUE RECOGNITION</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://firstcitizensbank.com/role/RestrictionsOnCashAndDueFromBanks" id="RestrictionsOnCashAndDueFromBanks">
        <link:definition>060300 - Disclosure - RESTRICTIONS ON CASH AND DUE FROM BANKS</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://firstcitizensbank.com/role/InvestmentSecurities" id="InvestmentSecurities">
        <link:definition>060400 - Disclosure - INVESTMENT 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://firstcitizensbank.com/role/LoansAndRelatedAllowanceForLoanLosses" id="LoansAndRelatedAllowanceForLoanLosses">
        <link:definition>060500 - Disclosure - LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES</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://firstcitizensbank.com/role/PremisesEquipment" id="PremisesEquipment">
        <link:definition>060600 - Disclosure - PREMISES &amp; EQUIPMENT</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://firstcitizensbank.com/role/GoodwillAndOtherIntangibleAssets" id="GoodwillAndOtherIntangibleAssets">
        <link:definition>060700 - Disclosure - GOODWILL AND OTHER INTANGIBLE ASSETS</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://firstcitizensbank.com/role/FederalHomeLoanBankFhlbStock" id="FederalHomeLoanBankFhlbStock">
        <link:definition>060800 - Disclosure - FEDERAL HOME LOAN BANK (FHLB) STOCK</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://firstcitizensbank.com/role/Deposits" id="Deposits">
        <link:definition>060900 - Disclosure - DEPOSITS</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://firstcitizensbank.com/role/BorrowedFundsAndRepurchaseAgreements" id="BorrowedFundsAndRepurchaseAgreements">
        <link:definition>061000 - Disclosure - BORROWED FUNDS AND REPURCHASE AGREEMENTS</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://firstcitizensbank.com/role/EmployeeBenefitPlans" id="EmployeeBenefitPlans">
        <link:definition>061100 - Disclosure - EMPLOYEE BENEFIT PLANS</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://firstcitizensbank.com/role/IncomeTaxes" id="IncomeTaxes">
        <link:definition>061200 - Disclosure - INCOME TAXES</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://firstcitizensbank.com/role/OtherComprehensiveIncome" id="OtherComprehensiveIncome">
        <link:definition>061300 - Disclosure - OTHER COMPREHENSIVE INCOME</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://firstcitizensbank.com/role/RelatedPartyTransactions" id="RelatedPartyTransactions">
        <link:definition>061400 - Disclosure - RELATED PARTY TRANSACTIONS</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://firstcitizensbank.com/role/RegulatoryMatters" id="RegulatoryMatters">
        <link:definition>061500 - Disclosure - REGULATORY MATTERS</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://firstcitizensbank.com/role/CommitmentsAndContingentLiabilities" id="CommitmentsAndContingentLiabilities">
        <link:definition>061600 - Disclosure - COMMITMENTS AND CONTINGENT LIABILITIES</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://firstcitizensbank.com/role/OperatingLeases" id="OperatingLeases">
        <link:definition>061700 - Disclosure - OPERATING LEASES</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://firstcitizensbank.com/role/FairValueOfFinancialInstruments" id="FairValueOfFinancialInstruments">
        <link:definition>061800 - Disclosure - FAIR VALUE OF FINANCIAL INSTRUMENTS</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://firstcitizensbank.com/role/CondensedFinancialInformationParentCompanyOnly" id="CondensedFinancialInformationParentCompanyOnly">
        <link:definition>061900 - Disclosure - CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY</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://firstcitizensbank.com/role/ConsolidatedCondensedQuarterlyDataUnaudited" id="ConsolidatedCondensedQuarterlyDataUnaudited">
        <link:definition>062000 - Disclosure - CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED)</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://firstcitizensbank.com/role/AcquisitionOfStateCollegeBranch" id="AcquisitionOfStateCollegeBranch">
        <link:definition>062100 - Disclosure - ACQUISITION OF STATE COLLEGE BRANCH</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://firstcitizensbank.com/role/SubsequentEvents" id="SubsequentEvents">
        <link:definition>062200 - Disclosure - SUBSEQUENT EVENTS</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://firstcitizensbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" id="SummaryOfSignificantAccountingPoliciesPolicies">
        <!--Parent Role: SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES-->
        <link:definition>070100 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (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://firstcitizensbank.com/role/RevenueRecognitionPolicies" id="RevenueRecognitionPolicies">
        <!--Parent Role: REVENUE RECOGNITION-->
        <link:definition>070200 - Disclosure - REVENUE RECOGNITION (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://firstcitizensbank.com/role/SummaryOfSignificantAccountingPoliciesTables" id="SummaryOfSignificantAccountingPoliciesTables">
        <!--Parent Role: SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES-->
        <link:definition>080100 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (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://firstcitizensbank.com/role/RevenueRecognitionTables" id="RevenueRecognitionTables">
        <!--Parent Role: REVENUE RECOGNITION-->
        <link:definition>080200 - Disclosure - REVENUE RECOGNITION (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://firstcitizensbank.com/role/InvestmentSecuritiesTables" id="InvestmentSecuritiesTables">
        <!--Parent Role: INVESTMENT SECURITIES-->
        <link:definition>080400 - Disclosure - INVESTMENT 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://firstcitizensbank.com/role/LoansAndRelatedAllowanceForLoanLossesTables" id="LoansAndRelatedAllowanceForLoanLossesTables">
        <!--Parent Role: LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES-->
        <link:definition>080500 - Disclosure - LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES (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://firstcitizensbank.com/role/PremisesEquipmentTables" id="PremisesEquipmentTables">
        <!--Parent Role: PREMISES & EQUIPMENT-->
        <link:definition>080600 - Disclosure - PREMISES &amp; EQUIPMENT (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://firstcitizensbank.com/role/GoodwillAndOtherIntangibleAssetsTables" id="GoodwillAndOtherIntangibleAssetsTables">
        <!--Parent Role: GOODWILL AND OTHER INTANGIBLE ASSETS-->
        <link:definition>080700 - Disclosure - GOODWILL AND OTHER INTANGIBLE ASSETS (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://firstcitizensbank.com/role/DepositsTables" id="DepositsTables">
        <!--Parent Role: DEPOSITS-->
        <link:definition>080900 - Disclosure - DEPOSITS (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://firstcitizensbank.com/role/BorrowedFundsAndRepurchaseAgreementsTables" id="BorrowedFundsAndRepurchaseAgreementsTables">
        <!--Parent Role: BORROWED FUNDS AND REPURCHASE AGREEMENTS-->
        <link:definition>081000 - Disclosure - BORROWED FUNDS AND REPURCHASE AGREEMENTS (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://firstcitizensbank.com/role/EmployeeBenefitPlansTables" id="EmployeeBenefitPlansTables">
        <!--Parent Role: EMPLOYEE BENEFIT PLANS-->
        <link:definition>081100 - Disclosure - EMPLOYEE BENEFIT PLANS (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://firstcitizensbank.com/role/IncomeTaxesTables" id="IncomeTaxesTables">
        <!--Parent Role: INCOME TAXES-->
        <link:definition>081200 - Disclosure - INCOME TAXES (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://firstcitizensbank.com/role/OtherComprehensiveIncomeTables" id="OtherComprehensiveIncomeTables">
        <!--Parent Role: OTHER COMPREHENSIVE INCOME-->
        <link:definition>081300 - Disclosure - OTHER COMPREHENSIVE INCOME (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://firstcitizensbank.com/role/RelatedPartyTransactionsTables" id="RelatedPartyTransactionsTables">
        <!--Parent Role: RELATED PARTY TRANSACTIONS-->
        <link:definition>081400 - Disclosure - RELATED PARTY TRANSACTIONS (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://firstcitizensbank.com/role/RegulatoryMattersTables" id="RegulatoryMattersTables">
        <!--Parent Role: REGULATORY MATTERS-->
        <link:definition>081500 - Disclosure - REGULATORY MATTERS (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://firstcitizensbank.com/role/CommitmentsAndContingentLiabilitiesTables" id="CommitmentsAndContingentLiabilitiesTables">
        <!--Parent Role: COMMITMENTS AND CONTINGENT LIABILITIES-->
        <link:definition>081600 - Disclosure - COMMITMENTS AND CONTINGENT LIABILITIES (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://firstcitizensbank.com/role/OperatingLeasesTables" id="OperatingLeasesTables">
        <!--Parent Role: OPERATING LEASES-->
        <link:definition>081700 - Disclosure - OPERATING LEASES (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://firstcitizensbank.com/role/FairValueOfFinancialInstrumentsTables" id="FairValueOfFinancialInstrumentsTables">
        <!--Parent Role: FAIR VALUE OF FINANCIAL INSTRUMENTS-->
        <link:definition>081800 - Disclosure - FAIR VALUE OF FINANCIAL INSTRUMENTS (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://firstcitizensbank.com/role/CondensedFinancialInformationParentCompanyOnlyTables" id="CondensedFinancialInformationParentCompanyOnlyTables">
        <!--Parent Role: CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY-->
        <link:definition>081900 - Disclosure - CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY (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://firstcitizensbank.com/role/ConsolidatedCondensedQuarterlyDataUnauditedTables" id="ConsolidatedCondensedQuarterlyDataUnauditedTables">
        <!--Parent Role: CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED)-->
        <link:definition>082000 - Disclosure - CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED) (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://firstcitizensbank.com/role/AcquisitionOfStateCollegeBranchTables" id="AcquisitionOfStateCollegeBranchTables">
        <!--Parent Role: ACQUISITION OF STATE COLLEGE BRANCH-->
        <link:definition>082100 - Disclosure - ACQUISITION OF STATE COLLEGE BRANCH (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://firstcitizensbank.com/role/SummaryOfSignificantAccountingPoliciesDetails" id="SummaryOfSignificantAccountingPoliciesDetails">
        <!--Parent Role: SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES-->
        <link:definition>090100 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (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://firstcitizensbank.com/role/RevenueRecognitionDetails" id="RevenueRecognitionDetails">
        <!--Parent Role: REVENUE RECOGNITION-->
        <link:definition>090200 - Disclosure - REVENUE RECOGNITION (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://firstcitizensbank.com/role/RestrictionsOnCashAndDueFromBanksDetails" id="RestrictionsOnCashAndDueFromBanksDetails">
        <!--Parent Role: RESTRICTIONS ON CASH AND DUE FROM BANKS-->
        <link:definition>090300 - Disclosure - RESTRICTIONS ON CASH AND DUE FROM BANKS (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://firstcitizensbank.com/role/InvestmentSecuritiesDetails" id="InvestmentSecuritiesDetails">
        <!--Parent Role: INVESTMENT SECURITIES-->
        <link:definition>090400 - Disclosure - INVESTMENT 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://firstcitizensbank.com/role/LoansAndRelatedAllowanceForLoanLossesDetails" id="LoansAndRelatedAllowanceForLoanLossesDetails">
        <!--Parent Role: LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES-->
        <link:definition>090500 - Disclosure - LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES (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://firstcitizensbank.com/role/LoansAndRelatedAllowanceForLoanLossesImpairedFinancingReceivableDetails" id="LoansAndRelatedAllowanceForLoanLossesImpairedFinancingReceivableDetails">
        <!--Parent Role: LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES-->
        <link:definition>090502 - Disclosure - LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES, Impaired Financing Receivable (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://firstcitizensbank.com/role/LoansAndRelatedAllowanceForLoanLossesCreditQualityIndicatorDetails" id="LoansAndRelatedAllowanceForLoanLossesCreditQualityIndicatorDetails">
        <!--Parent Role: LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES-->
        <link:definition>090504 - Disclosure - LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES, Credit Quality Indicator (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://firstcitizensbank.com/role/LoansAndRelatedAllowanceForLoanLossesPastDueDetails" id="LoansAndRelatedAllowanceForLoanLossesPastDueDetails">
        <!--Parent Role: LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES-->
        <link:definition>090506 - Disclosure - LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES, Past Due (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://firstcitizensbank.com/role/LoansAndRelatedAllowanceForLoanLossesTroubleDebtRestructuringDetails" id="LoansAndRelatedAllowanceForLoanLossesTroubleDebtRestructuringDetails">
        <!--Parent Role: LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES-->
        <link:definition>090508 - Disclosure - LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES, Trouble Debt Restructuring (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://firstcitizensbank.com/role/LoansAndRelatedAllowanceForLoanLossesForeclosedAssetsHeldForSaleDetails" id="LoansAndRelatedAllowanceForLoanLossesForeclosedAssetsHeldForSaleDetails">
        <!--Parent Role: LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES-->
        <link:definition>090510 - Disclosure - LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES, Foreclosed Assets Held For Sale (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://firstcitizensbank.com/role/LoansAndRelatedAllowanceForLoanLossesAllowanceForLoanLossesByPortfolioSegmentDetails" id="LoansAndRelatedAllowanceForLoanLossesAllowanceForLoanLossesByPortfolioSegmentDetails">
        <!--Parent Role: LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES-->
        <link:definition>090512 - Disclosure - LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES, Allowance for Loan Losses by Portfolio Segment (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://firstcitizensbank.com/role/PremisesEquipmentDetails" id="PremisesEquipmentDetails">
        <!--Parent Role: PREMISES & EQUIPMENT-->
        <link:definition>090600 - Disclosure - PREMISES &amp; EQUIPMENT (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://firstcitizensbank.com/role/GoodwillAndOtherIntangibleAssetsDetails" id="GoodwillAndOtherIntangibleAssetsDetails">
        <!--Parent Role: GOODWILL AND OTHER INTANGIBLE ASSETS-->
        <link:definition>090700 - Disclosure - GOODWILL AND OTHER INTANGIBLE ASSETS (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://firstcitizensbank.com/role/FederalHomeLoanBankFhlbStockDetails" id="FederalHomeLoanBankFhlbStockDetails">
        <!--Parent Role: FEDERAL HOME LOAN BANK (FHLB) STOCK-->
        <link:definition>090800 - Disclosure - FEDERAL HOME LOAN BANK (FHLB) STOCK (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://firstcitizensbank.com/role/DepositsDetails" id="DepositsDetails">
        <!--Parent Role: DEPOSITS-->
        <link:definition>090900 - Disclosure - DEPOSITS (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://firstcitizensbank.com/role/BorrowedFundsAndRepurchaseAgreementsBreakdownOfBorrowedFundsDetails" id="BorrowedFundsAndRepurchaseAgreementsBreakdownOfBorrowedFundsDetails">
        <!--Parent Role: BORROWED FUNDS AND REPURCHASE AGREEMENTS-->
        <link:definition>091000 - Disclosure - BORROWED FUNDS AND REPURCHASE AGREEMENTS, Breakdown of Borrowed Funds (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://firstcitizensbank.com/role/BorrowedFundsAndRepurchaseAgreementsCollateralPledgedOnRepurchaseAgreementsByContractualMaturityDetails" id="BorrowedFundsAndRepurchaseAgreementsCollateralPledgedOnRepurchaseAgreementsByContractualMaturityDetails">
        <!--Parent Role: BORROWED FUNDS AND REPURCHASE AGREEMENTS-->
        <link:definition>091002 - Disclosure - BORROWED FUNDS AND REPURCHASE AGREEMENTS, Collateral Pledged on the Repurchase Agreements by Contractual Maturity (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://firstcitizensbank.com/role/BorrowedFundsAndRepurchaseAgreementsMaturitiesOfBorrowedFundsDetails" id="BorrowedFundsAndRepurchaseAgreementsMaturitiesOfBorrowedFundsDetails">
        <!--Parent Role: BORROWED FUNDS AND REPURCHASE AGREEMENTS-->
        <link:definition>091004 - Disclosure - BORROWED FUNDS AND REPURCHASE AGREEMENTS, Maturities of Borrowed Funds (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://firstcitizensbank.com/role/EmployeeBenefitPlansNoncontributoryDefinedBenefitPensionPlanDetails" id="EmployeeBenefitPlansNoncontributoryDefinedBenefitPensionPlanDetails">
        <!--Parent Role: EMPLOYEE BENEFIT PLANS-->
        <link:definition>091100 - Disclosure - EMPLOYEE BENEFIT PLANS, Noncontributory Defined Benefit Pension Plan (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://firstcitizensbank.com/role/EmployeeBenefitPlansNoncontributoryDefinedBenefitPensionPlanFairValueOfPlanAssetsDetails" id="EmployeeBenefitPlansNoncontributoryDefinedBenefitPensionPlanFairValueOfPlanAssetsDetails">
        <!--Parent Role: EMPLOYEE BENEFIT PLANS-->
        <link:definition>091102 - Disclosure - EMPLOYEE BENEFIT PLANS, Noncontributory Defined Benefit Pension Plan Fair Value of Plan Assets (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://firstcitizensbank.com/role/EmployeeBenefitPlansDefinedContributionPlanDetails" id="EmployeeBenefitPlansDefinedContributionPlanDetails">
        <!--Parent Role: EMPLOYEE BENEFIT PLANS-->
        <link:definition>091104 - Disclosure - EMPLOYEE BENEFIT PLANS, Defined Contribution Plan (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://firstcitizensbank.com/role/EmployeeBenefitPlansDirectorsDeferredCompensationPlanDetails" id="EmployeeBenefitPlansDirectorsDeferredCompensationPlanDetails">
        <!--Parent Role: EMPLOYEE BENEFIT PLANS-->
        <link:definition>091106 - Disclosure - EMPLOYEE BENEFIT PLANS, Directors' Deferred Compensation Plan (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://firstcitizensbank.com/role/EmployeeBenefitPlansRestrictedStockPlanDetails" id="EmployeeBenefitPlansRestrictedStockPlanDetails">
        <!--Parent Role: EMPLOYEE BENEFIT PLANS-->
        <link:definition>091108 - Disclosure - EMPLOYEE BENEFIT PLANS, Restricted Stock Plan (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://firstcitizensbank.com/role/EmployeeBenefitPlansOtherPlansDetails" id="EmployeeBenefitPlansOtherPlansDetails">
        <!--Parent Role: EMPLOYEE BENEFIT PLANS-->
        <link:definition>091110 - Disclosure - EMPLOYEE BENEFIT PLANS, Other Plans (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://firstcitizensbank.com/role/IncomeTaxesProvisionForIncomeTaxesDetails" id="IncomeTaxesProvisionForIncomeTaxesDetails">
        <!--Parent Role: INCOME TAXES-->
        <link:definition>091200 - Disclosure - INCOME TAXES, Provision for Income Taxes (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://firstcitizensbank.com/role/IncomeTaxesDeferredTaxAssetsAndLiabilitiesDetails" id="IncomeTaxesDeferredTaxAssetsAndLiabilitiesDetails">
        <!--Parent Role: INCOME TAXES-->
        <link:definition>091202 - Disclosure - INCOME TAXES, Deferred Tax Assets and Liabilities (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://firstcitizensbank.com/role/IncomeTaxesProvisionForIncomeTaxesReconciliationDetails" id="IncomeTaxesProvisionForIncomeTaxesReconciliationDetails">
        <!--Parent Role: INCOME TAXES-->
        <link:definition>091204 - Disclosure - INCOME TAXES, Provision for Income Taxes Reconciliation (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://firstcitizensbank.com/role/IncomeTaxesOtherTaxInformationDetails" id="IncomeTaxesOtherTaxInformationDetails">
        <!--Parent Role: INCOME TAXES-->
        <link:definition>091206 - Disclosure - INCOME TAXES, Other Tax Information (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://firstcitizensbank.com/role/OtherComprehensiveIncomeDetails" id="OtherComprehensiveIncomeDetails">
        <!--Parent Role: OTHER COMPREHENSIVE INCOME-->
        <link:definition>091300 - Disclosure - OTHER COMPREHENSIVE INCOME (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://firstcitizensbank.com/role/OtherComprehensiveIncomeReclassificationDetails" id="OtherComprehensiveIncomeReclassificationDetails">
        <!--Parent Role: OTHER COMPREHENSIVE INCOME-->
        <link:definition>091302 - Disclosure - OTHER COMPREHENSIVE INCOME, Reclassification (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://firstcitizensbank.com/role/RelatedPartyTransactionsDetails" id="RelatedPartyTransactionsDetails">
        <!--Parent Role: RELATED PARTY TRANSACTIONS-->
        <link:definition>091400 - Disclosure - RELATED PARTY TRANSACTIONS (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://firstcitizensbank.com/role/RegulatoryMattersDetails" id="RegulatoryMattersDetails">
        <!--Parent Role: REGULATORY MATTERS-->
        <link:definition>091500 - Disclosure - REGULATORY MATTERS (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://firstcitizensbank.com/role/CommitmentsAndContingentLiabilitiesDetails" id="CommitmentsAndContingentLiabilitiesDetails">
        <!--Parent Role: COMMITMENTS AND CONTINGENT LIABILITIES-->
        <link:definition>091600 - Disclosure - COMMITMENTS AND CONTINGENT LIABILITIES (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://firstcitizensbank.com/role/OperatingLeasesDetails" id="OperatingLeasesDetails">
        <!--Parent Role: OPERATING LEASES-->
        <link:definition>091700 - Disclosure - OPERATING LEASES (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://firstcitizensbank.com/role/FairValueOfFinancialInstrumentsMeasuredOnRecurringAndNonrecurringBasisDetails" id="FairValueOfFinancialInstrumentsMeasuredOnRecurringAndNonrecurringBasisDetails">
        <!--Parent Role: FAIR VALUE OF FINANCIAL INSTRUMENTS-->
        <link:definition>091800 - Disclosure - FAIR VALUE OF FINANCIAL INSTRUMENTS, Measured On A Recurring And Nonrecurring Basis (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://firstcitizensbank.com/role/FairValueOfFinancialInstrumentsQuantitativeInformationDetails" id="FairValueOfFinancialInstrumentsQuantitativeInformationDetails">
        <!--Parent Role: FAIR VALUE OF FINANCIAL INSTRUMENTS-->
        <link:definition>091802 - Disclosure - FAIR VALUE OF FINANCIAL INSTRUMENTS, Quantitative Information (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://firstcitizensbank.com/role/FairValueOfFinancialInstrumentsByBalanceSheetGroupingDetails" id="FairValueOfFinancialInstrumentsByBalanceSheetGroupingDetails">
        <!--Parent Role: FAIR VALUE OF FINANCIAL INSTRUMENTS-->
        <link:definition>091804 - Disclosure - FAIR VALUE OF FINANCIAL INSTRUMENTS, By Balance Sheet Grouping (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://firstcitizensbank.com/role/CondensedFinancialInformationParentCompanyOnlyDetails" id="CondensedFinancialInformationParentCompanyOnlyDetails">
        <!--Parent Role: CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY-->
        <link:definition>091900 - Disclosure - CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY (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://firstcitizensbank.com/role/ConsolidatedCondensedQuarterlyDataUnauditedDetails" id="ConsolidatedCondensedQuarterlyDataUnauditedDetails">
        <!--Parent Role: CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED)-->
        <link:definition>092000 - Disclosure - CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED) (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://firstcitizensbank.com/role/AcquisitionOfStateCollegeBranchDetails" id="AcquisitionOfStateCollegeBranchDetails">
        <!--Parent Role: ACQUISITION OF STATE COLLEGE BRANCH-->
        <link:definition>092100 - Disclosure - ACQUISITION OF STATE COLLEGE BRANCH (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:import namespace="http://fasb.org/us-gaap/2018-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/dei/2018-01-31" schemaLocation="https://xbrl.sec.gov/dei/2018/dei-2018-01-31.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/invest/2013-01-31" schemaLocation="https://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/country/2017-01-31" schemaLocation="http://xbrl.sec.gov/country/2017/country-2017-01-31.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/currency/2017-01-31" schemaLocation="https://xbrl.sec.gov/currency/2017/currency-2017-01-31.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/exch/2018-01-31" schemaLocation="https://xbrl.sec.gov/exch/2018/exch-2018-01-31.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/naics/2017-01-31" schemaLocation="https://xbrl.sec.gov/naics/2017/naics-2017-01-31.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/sic/2011-01-31" schemaLocation="https://xbrl.sec.gov/sic/2011/sic-2011-01-31.xsd" />
  <xs:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd" />
  <xs:import namespace="http://www.xbrl.org/2009/role/net" schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/stpr/2018-01-31" schemaLocation="https://xbrl.sec.gov/stpr/2018/stpr-2018-01-31.xsd" />
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <xs:import namespace="http://www.xbrl.org/2004/ref" schemaLocation="http://www.xbrl.org/2004/ref-2004-08-10.xsd" />
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
  <xs:import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" />
  <xs:import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" />
  <xs:import namespace="http://fasb.org/us-types/2018-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2018/elts/us-types-2018-01-31.xsd" />
  <xs:import namespace="http://www.xbrl.org/2009/arcrole/fact-explanatoryFact" schemaLocation="http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd" />
  <xs:import namespace="http://fasb.org/srt/2018-01-31" schemaLocation="http://xbrl.fasb.org/srt/2018/elts/srt-2018-01-31.xsd" />
  <xs:element name="ScheduleOfSubsequentDefaultRecordedInvestmentTableTextBlock" id="czfs_ScheduleOfSubsequentDefaultRecordedInvestmentTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="LoansAcquiredWithSpecificEvidenceOfDeteriorationInCreditQualityTableTextBlock" id="czfs_LoansAcquiredWithSpecificEvidenceOfDeteriorationInCreditQualityTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="AccretableYieldForPurchasedCreditImpairedLoansTableTextBlock" id="czfs_AccretableYieldForPurchasedCreditImpairedLoansTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="ScheduleOfLoanPortfolioAndAllowanceForLoanLossesTableTextBlock" id="czfs_ScheduleOfLoanPortfolioAndAllowanceForLoanLossesTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="StateAndPoliticalSubdivisionLoansMember" id="czfs_StateAndPoliticalSubdivisionLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="RealEstateLoansMember" id="czfs_RealEstateLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="OtherAgriculturalLoansMember" id="czfs_OtherAgriculturalLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PurchasedCreditImpairedLoans" id="czfs_PurchasedCreditImpairedLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="FinancingReceivablesOnNonaccrualStatusAbstract" id="czfs_FinancingReceivablesOnNonaccrualStatusAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableRecordedInvestmentCurrentAndNonAccrual" id="czfs_FinancingReceivableRecordedInvestmentCurrentAndNonAccrual" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="PurchasedCreditImpairedLoansNonAccrual" id="czfs_PurchasedCreditImpairedLoansNonAccrual" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="ImpairedFinancingReceivableForegoneInterestIncome" id="czfs_ImpairedFinancingReceivableForegoneInterestIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual" id="czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="PeriodPastDueAfterWhichLoansConsideredAsNonAccrual" id="czfs_PeriodPastDueAfterWhichLoansConsideredAsNonAccrual" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="AgriculturalMember" id="czfs_AgriculturalMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivablesOnAccrualStatusAbstract" id="czfs_FinancingReceivablesOnAccrualStatusAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableRecordedInvestmentCurrentAndStillAccruing" id="czfs_FinancingReceivableRecordedInvestmentCurrentAndStillAccruing" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="FinancingReceivableRecordedInvestmentTotalAndStillAccruing" id="czfs_FinancingReceivableRecordedInvestmentTotalAndStillAccruing" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="PurchasedCreditImpairedLoansAndStillAccruing" id="czfs_PurchasedCreditImpairedLoansAndStillAccruing" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing" id="czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="PurchasedCreditImpairedLoanMember" id="czfs_PurchasedCreditImpairedLoanMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableAbstract" id="czfs_FinancingReceivableAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PercentageOfCommercialLoanPortfolioToBeReviewed" id="czfs_PercentageOfCommercialLoanPortfolioToBeReviewed" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="InternallyAssignedGrade1Member" id="czfs_InternallyAssignedGrade1Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AmountWhichIs30DaysPastDueToBeReviewedForAllAggregateLoanRelationships" id="czfs_AmountWhichIs30DaysPastDueToBeReviewedForAllAggregateLoanRelationships" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="FinancingReceivableByCreditExposureAbstract" id="czfs_FinancingReceivableByCreditExposureAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AmountOverWhichAllNewLoansToBeReviewed" id="czfs_AmountOverWhichAllNewLoansToBeReviewed" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="AmountOverWhichAllRelationshipToBeReviewed" id="czfs_AmountOverWhichAllRelationshipToBeReviewed" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="RealEstateLoansServicedForFreddieMacAndFannieMae" id="czfs_RealEstateLoansServicedForFreddieMacAndFannieMae" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="FederalHomeLoanBankFirstLossPositionForMPFPortfolio" id="czfs_FederalHomeLoanBankFirstLossPositionForMPFPortfolio" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses" id="czfs_FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse" id="czfs_RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="FirstNationalBankOfFredericksburgMember" id="czfs_FirstNationalBankOfFredericksburgMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="SegmentsOfLoanPortfolioAndAllowanceForLoanLossesAbstract" id="czfs_SegmentsOfLoanPortfolioAndAllowanceForLoanLossesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality" id="czfs_FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="LoansAndLeasesReceivableNetReportedAmountRelatedToIndividuallyEvaluatedForImpairment" id="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToIndividuallyEvaluatedForImpairment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="LoansAndLeasesReceivableNetReportedAmountRelatedToLoansAcquiredWithDeterioratedCreditQuality" id="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToLoansAcquiredWithDeterioratedCreditQuality" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="LoansAndLeasesReceivableAllowanceRelatedToLoansAcquiredWithDeterioratedCreditQuality" id="czfs_LoansAndLeasesReceivableAllowanceRelatedToLoansAcquiredWithDeterioratedCreditQuality" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="LoansAndLeasesReceivableNetReportedAmountRelatedToCollectivelyEvaluatedForImpairment" id="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToCollectivelyEvaluatedForImpairment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="NumberOfDaysPastDueForLoanToBeConsideredImpaired" id="czfs_NumberOfDaysPastDueForLoanToBeConsideredImpaired" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="PeriodOfMortgageOnRealEstate" id="czfs_PeriodOfMortgageOnRealEstate" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="OfficersDirectorsStockholdersAndAssociatesMember" id="czfs_OfficersDirectorsStockholdersAndAssociatesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PennsylvaniaSharesTax" id="czfs_PennsylvaniaSharesTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete" id="czfs_AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="OREExpensesRecovery" id="czfs_OREExpensesRecovery" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="TrustFeesMember" id="czfs_TrustFeesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="BrokerageAndInsuranceMember" id="czfs_BrokerageAndInsuranceMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ProfessionalAndLegalFees" id="czfs_ProfessionalAndLegalFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="ServiceChargesOnDepositAccountsMember" id="czfs_ServiceChargesOnDepositAccountsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="NonInterestIncomesAbstract" id="czfs_NonInterestIncomesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AccumulatedOtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax" id="czfs_AccumulatedOtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentTax" id="czfs_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentPreTax" id="czfs_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentPreTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="TaxCutsAndJobsActOf2017ReclassificationFromAOCIToRetainedEarningsTaxEffect" id="czfs_TaxCutsAndJobsActOf2017ReclassificationFromAOCIToRetainedEarningsTaxEffect" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="AccumulatedOtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansPreTax" id="czfs_AccumulatedOtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansPreTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="FederalHomeLoanBankStockParValue" id="czfs_FederalHomeLoanBankStockParValue" type="num:perShareItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="InvestmentsSoldAndNotSettled" id="czfs_InvestmentsSoldAndNotSettled" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks" id="czfs_ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="PaymentsForRepurchaseOfRestrictedStock" id="czfs_PaymentsForRepurchaseOfRestrictedStock" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="AcquisitionOfTheFirstNationalBankOfFredericksburgAbstract" id="czfs_AcquisitionOfTheFirstNationalBankOfFredericksburgAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoans" id="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsInterestReceivablesOnLoans" id="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsInterestReceivablesOnLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingDepositsAssumed" id="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingDepositsAssumed" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingTimeDepositsWithOtherBanks" id="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingTimeDepositsWithOtherBanks" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks" id="czfs_PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoninterestBearingDepositsAssumed" id="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoninterestBearingDepositsAssumed" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedBankOwnedLifeInsurance" id="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedBankOwnedLifeInsurance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterestPayable" id="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterestPayable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="StateCollegeBranchMember" id="czfs_StateCollegeBranchMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="InvestmentsPurchasedAndNotSettled" id="czfs_InvestmentsPurchasedAndNotSettled" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="TreasuryStockReissuedAtLowerThanRepurchasePriceDividendReinvestmentPlan" id="czfs_TreasuryStockReissuedAtLowerThanRepurchasePriceDividendReinvestmentPlan" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="SummaryOfDepositsTableTextBlock" id="czfs_SummaryOfDepositsTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="MaturitiesOfTimeDepositsTableTextBlock" id="czfs_MaturitiesOfTimeDepositsTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="TimeDeposits250000OrMore" id="czfs_TimeDeposits250000OrMore" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="GrossCarryingValueOfIntangibleAssetsAndAccumulatedAmortizationAbstract" id="czfs_GrossCarryingValueOfIntangibleAssetsAndAccumulatedAmortizationAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="IndefiniteLivedIntangibleAssetsNetAbstract" id="czfs_IndefiniteLivedIntangibleAssetsNetAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ImpairedFinancingReceivableAbstract" id="czfs_ImpairedFinancingReceivableAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="TroubledDebtFinancingReceivableRelatedAllowance" id="czfs_TroubledDebtFinancingReceivableRelatedAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="ConsumerResidentialMortgagesMember" id="czfs_ConsumerResidentialMortgagesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableModificationsAbstract" id="czfs_FinancingReceivableModificationsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="InterestModificationMember" id="czfs_InterestModificationMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="TermModificationMember" id="czfs_TermModificationMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="SubsequentDefaultAbstract" id="czfs_SubsequentDefaultAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="BORROWEDFUNDSANDREPURCHASEAGREEMENTSAbstract" id="czfs_BORROWEDFUNDSANDREPURCHASEAGREEMENTSAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="BorrowedFundsAndRepurchaseAgreementsTextBlock" id="czfs_BorrowedFundsAndRepurchaseAgreementsTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="MaturityOvernightAndContinuousMember" id="czfs_MaturityOvernightAndContinuousMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="RemainingContractualMaturityOfAgreementsAbstract" id="czfs_RemainingContractualMaturityOfAgreementsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="BorrowedFundsAndRepurchaseAgreementAbstract" id="czfs_BorrowedFundsAndRepurchaseAgreementAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="February42019Member" id="czfs_February42019Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="January062022Member" id="czfs_January062022Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="August202021Member" id="czfs_August202021Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="July122018Member" id="czfs_July122018Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="February32021Member" id="czfs_February32021Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="July122021Member" id="czfs_July122021Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="October22017Member" id="czfs_October22017Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ConcentrationRiskAbstract" id="czfs_ConcentrationRiskAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="OverdraftFeesMember" id="czfs_OverdraftFeesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ProductsAndServicesNotWithinScopeOfASC606Member" id="czfs_ProductsAndServicesNotWithinScopeOfASC606Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="InterchangeRevenueMember" id="czfs_InterchangeRevenueMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ServiceChargesOnDepositAccountsOtherMember" id="czfs_ServiceChargesOnDepositAccountsOtherMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="StatementFeesMember" id="czfs_StatementFeesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AutomatedTellerMachineIncomeMember" id="czfs_AutomatedTellerMachineIncomeMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="RestrictionsOnCashAndDueFromBanksAbstract" id="czfs_RestrictionsOnCashAndDueFromBanksAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CoveragePeriodForInstruments" id="czfs_CoveragePeriodForInstruments" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="CreditExtensionCommitmentsAbstract" id="czfs_CreditExtensionCommitmentsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="TreasuryStockPolicyTextBlock" id="czfs_TreasuryStockPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="TrustAssetsAndIncomePolicyTextBlock" id="czfs_TrustAssetsAndIncomePolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="CashFlowsPolicyTextBlock" id="czfs_CashFlowsPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="BankOwnedLifeInsurancePolicyPolicyTextBlock" id="czfs_BankOwnedLifeInsurancePolicyPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="InterestEarningDepositsMaturityMaximumForInclusionAsCashEquivalents" id="czfs_InterestEarningDepositsMaturityMaximumForInclusionAsCashEquivalents" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="IncomeTaxAbstract" id="czfs_IncomeTaxAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="TaxCutsAndJobsActOf2017ChangeInTaxRateDeferredTaxAssetIncomeTaxExpense" id="czfs_TaxCutsAndJobsActOf2017ChangeInTaxRateDeferredTaxAssetIncomeTaxExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="AdvertisingCostsAbstract" id="czfs_AdvertisingCostsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="NumberOfClassificationsOfInvestmentSecurities" id="czfs_NumberOfClassificationsOfInvestmentSecurities" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="BusinessAndOrganizationAbstract" id="czfs_BusinessAndOrganizationAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="NumberOfFullServiceBankingOffices" id="czfs_NumberOfFullServiceBankingOffices" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="AntidilutiveSecuritiesAbstract" id="czfs_AntidilutiveSecuritiesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ShareBasedPaymentAwardFairValueAssumptionsExercisePrice" id="czfs_ShareBasedPaymentAwardFairValueAssumptionsExercisePrice" type="num:perShareItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="RecentAccountingPronouncementsAdoptedAbstract" id="czfs_RecentAccountingPronouncementsAdoptedAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="RecentAccountingPronouncementsNotYetEffectiveAbstract" id="czfs_RecentAccountingPronouncementsNotYetEffectiveAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="GoodwillImpairmentAbstract" id="czfs_GoodwillImpairmentAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="BankOwnedLifeInsuranceAbstract" id="czfs_BankOwnedLifeInsuranceAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="BenefitInExcessOfTheCashSurrenderValue" id="czfs_BenefitInExcessOfTheCashSurrenderValue" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="AllowanceForLoanLossesAbstract" id="czfs_AllowanceForLoanLossesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="LoansAbstract" id="czfs_LoansAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="DividendRestrictionsAbstract" id="czfs_DividendRestrictionsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration" id="czfs_NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="RegulatoryLendingLimit" id="czfs_RegulatoryLendingLimit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="ActualAmountAbstract" id="czfs_ActualAmountAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAmountAbstract" id="czfs_ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAmountAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="NumberOfCapitalCategories" id="czfs_NumberOfCapitalCategories" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="ForCapitalAdequacyPurposesRatioAbstract" id="czfs_ForCapitalAdequacyPurposesRatioAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="TierOneRiskBasedCommonEquityRequiredForCapitalAdequacyToRiskWeightedAssets" id="czfs_TierOneRiskBasedCommonEquityRequiredForCapitalAdequacyToRiskWeightedAssets" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="ForCapitalAdequacyPurposesAbstract" id="czfs_ForCapitalAdequacyPurposesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsRatioAbstract" id="czfs_ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsRatioAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="TierOneRiskBasedCommonEquityRequiredToBeWellCapitalizedToRiskWeightedAssets" id="czfs_TierOneRiskBasedCommonEquityRequiredToBeWellCapitalizedToRiskWeightedAssets" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="AvailableForSaleInvestmentSecuritiesSoldAtGrossGainDuringPeriod" id="czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossGainDuringPeriod" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="AvailableForSaleSecuritiesEquitySecuritiesAbstract" id="czfs_AvailableForSaleSecuritiesEquitySecuritiesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AvailableForSaleDebtSecuritiesContinuousUnrealizedLossPositionFairValueAndUnrealizedLossesAbstract" id="czfs_AvailableForSaleDebtSecuritiesContinuousUnrealizedLossPositionFairValueAndUnrealizedLossesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AvailableForSaleInvestmentSecuritiesSoldAtGrossLossDuringPeriod" id="czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossLossDuringPeriod" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="SecuritiesAvailableForSaleAbstract" id="czfs_SecuritiesAvailableForSaleAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="BreakdownOfBorrowedFundsAbstract" id="czfs_BreakdownOfBorrowedFundsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="DebtAverageOutstandingAmount" id="czfs_DebtAverageOutstandingAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="DebtMaximumMonthEndOutstandingAmount" id="czfs_DebtMaximumMonthEndOutstandingAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="MutualFundsMember" id="czfs_MutualFundsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="DocumentAndEntityInformationAbstract" id="czfs_DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="NumberOfPlans" id="czfs_NumberOfPlans" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="DefinedContributionPlanEmployerDiscretionaryContributionTo401K" id="czfs_DefinedContributionPlanEmployerDiscretionaryContributionTo401K" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="DefinedBenefitPlanNetAmortizationAndDeferral" id="czfs_DefinedBenefitPlanNetAmortizationAndDeferral" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="FirstCitizensCommunityBankPlanMember" id="czfs_FirstCitizensCommunityBankPlanMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FirstNationalBankOfFredericksburgPlanMember" id="czfs_FirstNationalBankOfFredericksburgPlanMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="DeferredIncomeTaxExpenseBenefitExcludingChangeInCorporateTaxRate" id="czfs_DeferredIncomeTaxExpenseBenefitExcludingChangeInCorporateTaxRate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="TaxCutsAndJobsActOf2017IncompleteAccountingChangeInTaxRateProvisionalIncomeTaxExpenseBenefit" id="czfs_TaxCutsAndJobsActOf2017IncompleteAccountingChangeInTaxRateProvisionalIncomeTaxExpenseBenefit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="DefinedBenefitPlanCostRecognized" id="czfs_DefinedBenefitPlanCostRecognized" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="SalaryContinuationPlanMember" id="czfs_SalaryContinuationPlanMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="DeferredCompensationPlanMember" id="czfs_DeferredCompensationPlanMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="OtherRealEstateOwnedMember" id="czfs_OtherRealEstateOwnedMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ImpairedLoansMember" id="czfs_ImpairedLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AppraisedCollateralValuesMember" id="czfs_AppraisedCollateralValuesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FairValueInputsHoldingPeriod" id="czfs_FairValueInputsHoldingPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="ImpairedLoansMeasurementInput" id="czfs_ImpairedLoansMeasurementInput" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure" id="czfs_ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="USAgencySecuritiesFairValueDisclosure" id="czfs_USAgencySecuritiesFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CorporateObligationsFairValueDisclosure" id="czfs_CorporateObligationsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="USTreasuriesSecuritiesFairValueDislosure" id="czfs_USTreasuriesSecuritiesFairValueDislosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="FairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisAbstract" id="czfs_FairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ImpairedLoansEstimatedSellingCost" id="czfs_ImpairedLoansEstimatedSellingCost" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="EquitySecuritiesInFinancialInstitutionsFairValueDisclosure" id="czfs_EquitySecuritiesInFinancialInstitutionsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="ACQUISITIONOFSTATECOLLEGEBRANCHAbstract" id="czfs_ACQUISITIONOFSTATECOLLEGEBRANCHAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="BusinessCombinationDisclosureOfAcquireeTextBlock" id="czfs_BusinessCombinationDisclosureOfAcquireeTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="SummarizesPurchaseOfBranchAbstract" id="czfs_SummarizesPurchaseOfBranchAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="BusinessCombinationAdjustmentsToReflectAssetsAcquiredAtFairValueAbstract" id="czfs_BusinessCombinationAdjustmentsToReflectAssetsAcquiredAtFairValueAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="BusinessCombinationFairValueLoansAbstract" id="czfs_BusinessCombinationFairValueLoansAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="BusinessCombinationFairValueGeneralCredit" id="czfs_BusinessCombinationFairValueGeneralCredit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsIncludingGoodwill" id="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsIncludingGoodwill" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="BusinessCombinationFairValueInterestRate" id="czfs_BusinessCombinationFairValueInterestRate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits" id="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="BusinessCombinationAdjustmentsToReflectLiabilitiesAcquiredAtFairValueAbstract" id="czfs_BusinessCombinationAdjustmentsToReflectLiabilitiesAcquiredAtFairValueAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="BusinessCombinationFairValueTimeDeposits" id="czfs_BusinessCombinationFairValueTimeDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="NumberOfDaysConsideredForAverageDepositBalances" id="czfs_NumberOfDaysConsideredForAverageDepositBalances" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="BusinessCombinationLoansInterestPPELessDepositsInterestAndEscrowPayable" id="czfs_BusinessCombinationLoansInterestPPELessDepositsInterestAndEscrowPayable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="BusinessCombinationFairValueCoreDepositIntangible" id="czfs_BusinessCombinationFairValueCoreDepositIntangible" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="EquityInUndistributedEarningsOfSubsidiaries" id="czfs_EquityInUndistributedEarningsOfSubsidiaries" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries" id="czfs_IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="DividendIncomeFromBankSubsidiary" id="czfs_DividendIncomeFromBankSubsidiary" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="InvestmentsInSubsidiaries" id="czfs_InvestmentsInSubsidiaries" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="TaxCreditCarryforwardAbstract" id="czfs_TaxCreditCarryforwardAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="RecognizedIncomeTaxCredits" id="czfs_RecognizedIncomeTaxCredits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="MinimumPercentagesOfTaxPositionLiableToBeRealizedUponUltimateSettlement" id="czfs_MinimumPercentagesOfTaxPositionLiableToBeRealizedUponUltimateSettlement" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="OtherTaxInformationAbstract" id="czfs_OtherTaxInformationAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="NumberOfInvestmentsInPartnerships" id="czfs_NumberOfInvestmentsInPartnerships" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="TaxCreditsRecognitionTerm" id="czfs_TaxCreditsRecognitionTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance" id="czfs_IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="IncomeTaxReconciliationTaxCreditsLowIncomeHousing" id="czfs_IncomeTaxReconciliationTaxCreditsLowIncomeHousing" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="IncomeTaxReconciliationNondeductibleExpenseInterest" id="czfs_IncomeTaxReconciliationNondeductibleExpenseInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses" id="czfs_IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="DeferredTaxAssetsInterestOnNonAccrualLoans" id="czfs_DeferredTaxAssetsInterestOnNonAccrualLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="DeferredTaxAssetsOtherRealEstateOwnedExpenses" id="czfs_DeferredTaxAssetsOtherRealEstateOwnedExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="DeferredTaxAssetsLowIncomeHousingTaxCredits" id="czfs_DeferredTaxAssetsLowIncomeHousingTaxCredits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="DeferredTaxAssetsMergerAndAcquisitionCosts" id="czfs_DeferredTaxAssetsMergerAndAcquisitionCosts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensionsAndOtherRetirementObligation" id="czfs_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensionsAndOtherRetirementObligation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
</xs:schema>