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  <xsd:element id="cob_ImpairedFinancingReceivableExcludingDeterioratedLoansAcquiredRecordedInvestment" name="ImpairedFinancingReceivableExcludingDeterioratedLoansAcquiredRecordedInvestment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_ImpairedFinancingReceivableExcludingDeterioratedLoansPurchasedRelatedAllowance" name="ImpairedFinancingReceivableExcludingDeterioratedLoansPurchasedRelatedAllowance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cob_ImpairedFinancingReceivableFairValueDisclosure" name="ImpairedFinancingReceivableFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_ImpairedFinancingReceivableIncludingDeterioratedLoansPurchasedRelatedAllowance" name="ImpairedFinancingReceivableIncludingDeterioratedLoansPurchasedRelatedAllowance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cob_ImpairedFinancingReceivableMember" name="ImpairedFinancingReceivableMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_ImpairedFinancingReceivablesAverageRecordedInvestmentAndInterestIncomeTableTextBlock" name="ImpairedFinancingReceivablesAverageRecordedInvestmentAndInterestIncomeTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_ImpairedLoansReceivableWithNoRelatedAllowanceIndividuallyReviewedForImpairmentRecordedInvestment" name="ImpairedLoansReceivableWithNoRelatedAllowanceIndividuallyReviewedForImpairmentRecordedInvestment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_ImpairedLoansReceivableWithNoRelatedAllowanceNotIndividuallyReviewedForImpairmentRecordedInvestment" name="ImpairedLoansReceivableWithNoRelatedAllowanceNotIndividuallyReviewedForImpairmentRecordedInvestment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_ImpariedFinancingReceivableSimpleAverageBalance" name="ImpariedFinancingReceivableSimpleAverageBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cob_IncreaseDecreaseInRepossessedAssets" name="IncreaseDecreaseInRepossessedAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cob_IncreaseInAccruedInterestAndOtherLiabilities" name="IncreaseInAccruedInterestAndOtherLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cob_IncreaseOrDecreaseInPayablesUnderRepurchaseAgreements" name="IncreaseOrDecreaseInPayablesUnderRepurchaseAgreements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cob_InterestPayableFairValueDisclosure" name="InterestPayableFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cob_InterestRateLocksandForwardLoanSalesCommitmentsMember" name="InterestRateLocksandForwardLoanSalesCommitmentsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_InterestRateSwap1Member" name="InterestRateSwap1Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_InterestRateSwap2Member" name="InterestRateSwap2Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_InterestReceivableFairValueDisclosure" name="InterestReceivableFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_JuniorSubordinatedNotesFairValueDisclosure" name="JuniorSubordinatedNotesFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cob_LoansAndLeasesReceivableIncludingHeldForSaleReceivableImpairedInterestLostOnNonaccrualLoans" name="LoansAndLeasesReceivableIncludingHeldForSaleReceivableImpairedInterestLostOnNonaccrualLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cob_LoansAndLeasesReceivableIncludingHeldForSaleReceivableNonperformingNonaccrualOfInterest" name="LoansAndLeasesReceivableIncludingHeldForSaleReceivableNonperformingNonaccrualOfInterest" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_LoansAndLeasesReceivableRatioAllowanceForLoanAndLeaseLossesToLoansAndLeasesReceivables" name="LoansAndLeasesReceivableRatioAllowanceForLoanAndLeaseLossesToLoansAndLeasesReceivables" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cob_LoansAndLeasesReceivableRatioNetWriteDownsToAllowanceForLoanAndLeaseLosses" name="LoansAndLeasesReceivableRatioNetWriteDownsToAllowanceForLoanAndLeaseLosses" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_LoansAndLeasesReceivableRatioNetWriteDownsToAverageLoansAndLeasesReceivable" name="LoansAndLeasesReceivableRatioNetWriteDownsToAverageLoansAndLeasesReceivable" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_LoansAndLeasesReceivableUnfundedCommitmentsExpectedUsagePercentage" name="LoansAndLeasesReceivableUnfundedCommitmentsExpectedUsagePercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_LoansAndLeasesReceivableUnfundedCommitmentsReserve" name="LoansAndLeasesReceivableUnfundedCommitmentsReserve" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cob_LoansAndLeasesReceivablesAcquiredLoansContractualBalance" name="LoansAndLeasesReceivablesAcquiredLoansContractualBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_LoansAndLeasesRecievableUnpaidPrincipalBalance" name="LoansAndLeasesRecievableUnpaidPrincipalBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_LoansToFacilitateSaleOfOtherRealEstateOwned" name="LoansToFacilitateSaleOfOtherRealEstateOwned" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cob_OtherComprehensiveIncomeLossReclassificationAdjustmentsFromAociPensionAndOtherPostretirementBenefitPlansForGainLossBeforeTax" name="OtherComprehensiveIncomeLossReclassificationAdjustmentsFromAociPensionAndOtherPostretirementBenefitPlansForGainLossBeforeTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_OthersMember" name="OthersMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_PledgedFinancialInstrumentsNotSeparatelyReportedLoansReceivableForFederalReserveBank" name="PledgedFinancialInstrumentsNotSeparatelyReportedLoansReceivableForFederalReserveBank" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_PledgedFinancialInstrumentsNotSeparatelyReportedinvestmentsecuritiesforFederalReserveBank" name="PledgedFinancialInstrumentsNotSeparatelyReportedinvestmentsecuritiesforFederalReserveBank" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_PledgedfinancialinstrumentsNotseparatelyreportedsecuritiesforFederalHomeLoanBankdebt" name="PledgedfinancialinstrumentsNotseparatelyreportedsecuritiesforFederalHomeLoanBankdebt" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cob_PurchasedContractsAndOriginatedLoansMember" name="PurchasedContractsAndOriginatedLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_PurchasedImpairedLoansMember" name="PurchasedImpairedLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_RealEstateAcquiredThroughForeclosureAdditions" name="RealEstateAcquiredThroughForeclosureAdditions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_RealEstateAcquiredThroughForeclosureRollForward" name="RealEstateAcquiredThroughForeclosureRollForward" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_RealEstateAcquiredThroughForeclosureSaleCommitmentCarryingAmount" name="RealEstateAcquiredThroughForeclosureSaleCommitmentCarryingAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_RealEstateAcquiredThroughForeclosureSaleCommitmentNumberOfContracts" name="RealEstateAcquiredThroughForeclosureSaleCommitmentNumberOfContracts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="cob_RealEstateAcquiredThroughForeclosureWritedownsAndNetGainLossOnSales" name="RealEstateAcquiredThroughForeclosureWritedownsAndNetGainLossOnSales" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_RealEstateConstructionPortfolioSegmentMember" name="RealEstateConstructionPortfolioSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_RegistrationStatementMaximumNumberofSharesforSale" name="RegistrationStatementMaximumNumberofSharesforSale" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant" />
  <xsd:element id="cob_RegistrationStatementMaximumSharesforSaleValue" name="RegistrationStatementMaximumSharesforSaleValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cob_RepossessedAssetsPercentageOfNonperformingAssets" name="RepossessedAssetsPercentageOfNonperformingAssets" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cob_ResidentialMortgageBackedSecuritiesIssuedByPrivateEnterprisesMember" name="ResidentialMortgageBackedSecuritiesIssuedByPrivateEnterprisesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_ResidentialMortgageBackedSecuritiesIssuedByUsGovernmentSponsoredEnterprisesMember" name="ResidentialMortgageBackedSecuritiesIssuedByUsGovernmentSponsoredEnterprisesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_SaleOfRealEstateAcquiredThroughForeclosure" name="SaleOfRealEstateAcquiredThroughForeclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cob_ScheduleOfImpairedLoansReceivableTableTextBlock" name="ScheduleOfImpairedLoansReceivableTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_ScheduleOfRepossessedAssetsTableTextBlock" name="ScheduleOfRepossessedAssetsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_ScheduleofLoansReceivableAcquiredLoansTableTextBlock" name="ScheduleofLoansReceivableAcquiredLoansTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_SecuritiesPledgedAsCollateralInformationAxis" name="SecuritiesPledgedAsCollateralInformationAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_SecuritiesPledgedAsCollateralInformationDomain" name="SecuritiesPledgedAsCollateralInformationDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_ServicingAssetMember" name="ServicingAssetMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_ServicingAssetsUnconsolidatedLoansServicedUnpaidPrincipalBalance" name="ServicingAssetsUnconsolidatedLoansServicedUnpaidPrincipalBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsGrantedNonTransferable" name="SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsGrantedNonTransferable" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant" />
  <xsd:element id="cob_StationeryPrintingAndSupplies" name="StationeryPrintingAndSupplies" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_SubstandardOrDoubtfulMember" name="SubstandardOrDoubtfulMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_TransferFromFixedAssetstoOtherAssets" name="TransferFromFixedAssetstoOtherAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cob_TransferOfMortgageLoansToRealEstateOwned" name="TransferOfMortgageLoansToRealEstateOwned" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cob_TrustAndInvestmentServices" name="TrustAndInvestmentServices" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_UnfundedCommitmentsLineItems" name="UnfundedCommitmentsLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_UnfundedCommitmentsTable" name="UnfundedCommitmentsTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
</xsd:schema>
</XBRL>