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  <xsd:element id="fnbn_ImpairedFinancingReceivableExcludingDeterioratedLoansPurchasedRelatedAllowance" name="ImpairedFinancingReceivableExcludingDeterioratedLoansPurchasedRelatedAllowance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="fnbn_ImpairedFinancingReceivableFairValueDisclosure" name="ImpairedFinancingReceivableFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fnbn_ImpairedFinancingReceivableIncludingDeterioratedLoansPurchasedRelatedAllowance" name="ImpairedFinancingReceivableIncludingDeterioratedLoansPurchasedRelatedAllowance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fnbn_ImpairedFinancingReceivableMember" name="ImpairedFinancingReceivableMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fnbn_ImpairedFinancingReceivablesAverageRecordedInvestmentAndInterestIncomeTableTextBlock" name="ImpairedFinancingReceivablesAverageRecordedInvestmentAndInterestIncomeTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="fnbn_ImpairedLoansReceivableHeldForSale" name="ImpairedLoansReceivableHeldForSale" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fnbn_ImpairedLoansReceivableWithNoRelatedAllowanceIndividuallyReviewedForImpairmentRecordedInvestment" name="ImpairedLoansReceivableWithNoRelatedAllowanceIndividuallyReviewedForImpairmentRecordedInvestment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fnbn_ImpairedLoansReceivableWithNoRelatedAllowanceNotIndividuallyReviewedForImpairmentRecordedInvestment" name="ImpairedLoansReceivableWithNoRelatedAllowanceNotIndividuallyReviewedForImpairmentRecordedInvestment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fnbn_ImpariedFinancingReceivableSimpleAverageBalance" name="ImpariedFinancingReceivableSimpleAverageBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="fnbn_IncreaseDecreaseInRepossessedAssets" name="IncreaseDecreaseInRepossessedAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fnbn_IncreaseInAccruedInterestAndOtherLiabilities" name="IncreaseInAccruedInterestAndOtherLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fnbn_IncreaseOrDecreaseInPayablesUnderRepurchaseAgreements" name="IncreaseOrDecreaseInPayablesUnderRepurchaseAgreements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="fnbn_InterestPayableFairValueDisclosure" name="InterestPayableFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="fnbn_InterestReceivableFairValueDisclosure" name="InterestReceivableFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fnbn_JuniorSubordinatedNotesFairValueDisclosure" name="JuniorSubordinatedNotesFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="fnbn_LoansAndLeasesReceivableIncludingHeldForSaleReceivableImpairedInterestLostOnNonaccrualLoans" name="LoansAndLeasesReceivableIncludingHeldForSaleReceivableImpairedInterestLostOnNonaccrualLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fnbn_LoansAndLeasesReceivableIncludingHeldForSaleReceivableNonperformingNonaccrualOfInterest" name="LoansAndLeasesReceivableIncludingHeldForSaleReceivableNonperformingNonaccrualOfInterest" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fnbn_LoansAndLeasesReceivablePurchases" name="LoansAndLeasesReceivablePurchases" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="fnbn_LoansAndLeasesReceivablePurchasesPremium" name="LoansAndLeasesReceivablePurchasesPremium" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="fnbn_LoansAndLeasesReceivableRatioAllowanceForLoanAndLeaseLossesToLoansAndLeasesReceivables" name="LoansAndLeasesReceivableRatioAllowanceForLoanAndLeaseLossesToLoansAndLeasesReceivables" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="fnbn_LoansAndLeasesReceivableRatioNetWriteDownsToAllowanceForLoanAndLeaseLosses" name="LoansAndLeasesReceivableRatioNetWriteDownsToAllowanceForLoanAndLeaseLosses" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="fnbn_LoansAndLeasesReceivableRatioNetWriteDownsToAverageLoansAndLeasesReceivable" name="LoansAndLeasesReceivableRatioNetWriteDownsToAverageLoansAndLeasesReceivable" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="fnbn_LoansAndLeasesReceivableUnfundedCommitmentsExpectedUsagePercentage" name="LoansAndLeasesReceivableUnfundedCommitmentsExpectedUsagePercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="fnbn_LoansAndLeasesReceivableUnfundedCommitmentsReserve" name="LoansAndLeasesReceivableUnfundedCommitmentsReserve" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="fnbn_LoansAndLeasesReceivablesAcquiredLoansContractualBalance" name="LoansAndLeasesReceivablesAcquiredLoansContractualBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fnbn_LoansAndLeasesReceivablesNumberOfLoansSold" name="LoansAndLeasesReceivablesNumberOfLoansSold" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="fnbn_LoansAndLeasesRecievableUnpaidPrincipalBalance" name="LoansAndLeasesRecievableUnpaidPrincipalBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fnbn_LoansReceivableHeldForSaleSalesContractPrice" name="LoansReceivableHeldForSaleSalesContractPrice" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="fnbn_LoansReceivableHeldForSaleSalesRecordedInvestmentSales" name="LoansReceivableHeldForSaleSalesRecordedInvestmentSales" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="fnbn_LoansToFacilitateSaleOfOtherRealEstateOwned" name="LoansToFacilitateSaleOfOtherRealEstateOwned" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnbn_NatureOfOperationsLineItems" name="NatureOfOperationsLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnbn_NatureOfOperationsTable" name="NatureOfOperationsTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="fnbn_NetIncomeLossFromContinuingOperationsAfterPreferredStockDividendsNetOfTax" name="NetIncomeLossFromContinuingOperationsAfterPreferredStockDividendsNetOfTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fnbn_NumberOfSubsidiaries" name="NumberOfSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="fnbn_OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax" name="OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fnbn_OtherComprehensiveIncomeLossReclassificationAdjustmentsFromAociPensionAndOtherPostretirementBenefitPlansForGainLossBeforeTax" name="OtherComprehensiveIncomeLossReclassificationAdjustmentsFromAociPensionAndOtherPostretirementBenefitPlansForGainLossBeforeTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnbn_OthersMember" name="OthersMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fnbn_PledgedFinancialInstrumentsNotSeparatelyReportedLoansReceivableForFederalReserveBank" name="PledgedFinancialInstrumentsNotSeparatelyReportedLoansReceivableForFederalReserveBank" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fnbn_PurchasedContractsAndOriginatedLoansMember" name="PurchasedContractsAndOriginatedLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnbn_PurchasedImpairedLoansMember" name="PurchasedImpairedLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fnbn_RealEstateAcquiredThroughForeclosureAdditions" name="RealEstateAcquiredThroughForeclosureAdditions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnbn_RealEstateAcquiredThroughForeclosureRollForward" name="RealEstateAcquiredThroughForeclosureRollForward" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="fnbn_RealEstateAcquiredThroughForeclosureSaleCommitmentCarryingAmount" name="RealEstateAcquiredThroughForeclosureSaleCommitmentCarryingAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fnbn_RealEstateAcquiredThroughForeclosureSaleCommitmentNumberOfContracts" name="RealEstateAcquiredThroughForeclosureSaleCommitmentNumberOfContracts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="fnbn_RealEstateAcquiredThroughForeclosureWritedownsAndNetGainLossOnSales" name="RealEstateAcquiredThroughForeclosureWritedownsAndNetGainLossOnSales" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnbn_RealEstateConstructionPortfolioSegmentMember" name="RealEstateConstructionPortfolioSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnbn_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" name="ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnbn_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeTable" name="ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="fnbn_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax" name="ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnbn_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis" name="ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnbn_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" name="ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnbn_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember" name="ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fnbn_ReclassificationsOutOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" name="ReclassificationsOutOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="fnbn_RepossessedAssetsPercentageOfNonperformingAssets" name="RepossessedAssetsPercentageOfNonperformingAssets" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fnbn_ResidentialMortgageBackedSecuritiesIssuedByPrivateEnterprisesMember" name="ResidentialMortgageBackedSecuritiesIssuedByPrivateEnterprisesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnbn_ResidentialMortgageBackedSecuritiesIssuedByUsGovernmentSponsoredEnterprisesMember" name="ResidentialMortgageBackedSecuritiesIssuedByUsGovernmentSponsoredEnterprisesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fnbn_SaleOfRealEstateAcquiredThroughForeclosure" name="SaleOfRealEstateAcquiredThroughForeclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fnbn_ScheduleOfDisposalGroupsIncludingDiscontinuedOperationsIncomeStatementDisclosureTableTextBlock" name="ScheduleOfDisposalGroupsIncludingDiscontinuedOperationsIncomeStatementDisclosureTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="fnbn_ScheduleOfImpairedLoansReceivableTableTextBlock" name="ScheduleOfImpairedLoansReceivableTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="fnbn_ScheduleOfLoansReceivableSalesTableTextBlock" name="ScheduleOfLoansReceivableSalesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="fnbn_ScheduleOfLoansRecievableAcquiredLoansTableTextBlock" name="ScheduleOfLoansRecievableAcquiredLoansTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="fnbn_ScheduleOfRepossessedAssetsTableTextBlock" name="ScheduleOfRepossessedAssetsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnbn_SecuritiesPledgedAsCollateralInformationAxis" name="SecuritiesPledgedAsCollateralInformationAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnbn_SecuritiesPledgedAsCollateralInformationDomain" name="SecuritiesPledgedAsCollateralInformationDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnbn_ServicingAssetMember" name="ServicingAssetMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fnbn_ServicingAssetsUnconsolidatedLoansServicedUnpaidPrincipalBalance" name="ServicingAssetsUnconsolidatedLoansServicedUnpaidPrincipalBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fnbn_StationeryPrintingAndSupplies" name="StationeryPrintingAndSupplies" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnbn_StockIssuancePeriodAxis" name="StockIssuancePeriodAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnbn_StockIssuancePeriodDomain" name="StockIssuancePeriodDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fnbn_StockReturnedDuringPeriodSharesReverseStockSplits" name="StockReturnedDuringPeriodSharesReverseStockSplits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnbn_SubstandardOrDoubtfulMember" name="SubstandardOrDoubtfulMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fnbn_TransferOfMortgageLoansToRealEstateOwned" name="TransferOfMortgageLoansToRealEstateOwned" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="fnbn_TrustAndInvestmentServices" name="TrustAndInvestmentServices" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnbn_UnfundedCommitmentsLineItems" name="UnfundedCommitmentsLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnbn_UnfundedCommitmentsTable" name="UnfundedCommitmentsTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
</xsd:schema>
</XBRL>