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        <link:definition>1050 - Disclosure - Securities - Amortized Cost and Fair Value of Securities with Gross Unrealized Gains and Losses (Detail)</link:definition>
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        <link:definition>1051 - Disclosure - Securities - Additional Information (Detail)</link:definition>
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        <link:definition>1052 - Disclosure - Securities - Gross Unrealized Losses, Aggregated by Investment Category and Length of Time (Detail)</link:definition>
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        <link:definition>1054 - Disclosure - Securities - Amortized Cost and Fair Value of Debt Securities, by Contractual Maturity (Detail)</link:definition>
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        <link:definition>1055 - Disclosure - Loans - Additional Information (Detail)</link:definition>
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        <link:definition>1056 - Disclosure - Loans - Loans (Detail)</link:definition>
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        <link:definition>1058 - Disclosure - Loans - Distribution of Fixed Rate Loans and Variable Rate Loans by Major Loan Category (Detail)</link:definition>
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        <link:definition>1059 - Disclosure - Loans - Contractual Aging of Recorded Investment in Past Due Loans by Portfolio Classification of Loans (Detail)</link:definition>
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        <link:definition>1060 - Disclosure - Loans - Recorded Investment in Nonaccrual Loans by Portfolio Class of Loans (Detail)</link:definition>
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        <link:definition>1063 - Disclosure - Loans - Recorded Investment for Consumer Loans, Credit Quality based on Status of Loan and Payment Activity (Detail)</link:definition>
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        <link:definition>1070 - Disclosure - Premises and Equipment - Major Categories of Banking Premises and Equipment and Accumulated Depreciation (Detail)</link:definition>
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        <link:definition>1076 - Disclosure - Deposits - Scheduled Maturities for Time Deposits (Detail)</link:definition>
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        <link:definition>1077 - Disclosure - Federal Funds Purchased and Securities Sold Under Agreement to Repurchase - Additional Information (Detail)</link:definition>
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        <link:definition>1078 - Disclosure - Federal Funds Purchased and Securities Sold Under Agreement to Repurchase - Daily Securities Sold under Agreement to Repurchase (Detail)</link:definition>
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        <link:definition>1079 - Disclosure - Federal Funds Purchased and Securities Sold Under Agreement to Repurchase - Schedule of Remaining Contractual Maturity in Repurchase Agreements (Detail)</link:definition>
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        <link:definition>1080 - Disclosure - Federal Home Loan Bank Advances - Additional Information (Detail)</link:definition>
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        <link:definition>1081 - Disclosure - Federal Home Loan Bank Advances - Summary of Future Obligations of FHLB Advances (Detail)</link:definition>
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        <link:definition>1084 - Disclosure - Federal Income Taxes - Reconciliation of the Statutory Federal Income Tax Rate to the Effective Tax Rate (Detail)</link:definition>
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  <element name="LoansPolicyTextBlock" id="fmao_LoansPolicyTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="LoansServicedForOthersUnpaidPrincipalAmount" id="fmao_LoansServicedForOthersUnpaidPrincipalAmount" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="MajorCategoryOfReceivablesDueWithinOneYearMember" id="fmao_MajorCategoryOfReceivablesDueWithinOneYearMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="MajorCategoryOfReceivablesDueWithinOneYearToFiveYearsMember" id="fmao_MajorCategoryOfReceivablesDueWithinOneYearToFiveYearsMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="MajorCategoryOfReceivablesOverFiveYearsMember" id="fmao_MajorCategoryOfReceivablesOverFiveYearsMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="MaturityPeriodForUnderWaterSecurities" id="fmao_MaturityPeriodForUnderWaterSecurities" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="MaturityScheduleByMajorCategoryOfLoansTableTextBlock" id="fmao_MaturityScheduleByMajorCategoryOfLoansTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="MaximumMaturityPeriodOfCarryingAmountInterestBearingDeposits" id="fmao_MaximumMaturityPeriodOfCarryingAmountInterestBearingDeposits" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="MaximumTimeForReevaluation" id="fmao_MaximumTimeForReevaluation" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="MinimumPercentageOfEligibleCompensationOnPreTaxBasisForEligibleEmployeesToSave" id="fmao_MinimumPercentageOfEligibleCompensationOnPreTaxBasisForEligibleEmployeesToSave" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="MortgageBackedSecuritiesAvailableForSaleAmortizedCost" id="fmao_MortgageBackedSecuritiesAvailableForSaleAmortizedCost" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="MortgageLoansAtCostMember" id="fmao_MortgageLoansAtCostMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="MortgageServicingRightsMember" id="fmao_MortgageServicingRightsMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="NatureOfOperationPolicyTextBlock" id="fmao_NatureOfOperationPolicyTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="NetChangeInFairMarketValueOfAvailableForSaleSecurities" id="fmao_NetChangeInFairMarketValueOfAvailableForSaleSecurities" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="NumberOfAdvancesFromFhlb" id="fmao_NumberOfAdvancesFromFhlb" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="NumberOfAwardsGrantedToFourEmployeesOnRetirement" id="fmao_NumberOfAwardsGrantedToFourEmployeesOnRetirement" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="NumberOfAwardsGrantedToOneEmployeeOnRetirement" id="fmao_NumberOfAwardsGrantedToOneEmployeeOnRetirement" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="NumberOfNewLoansApproved" id="fmao_NumberOfNewLoansApproved" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="OffBalanceSheetFinancialInstrumentsPolicyTextBlock" id="fmao_OffBalanceSheetFinancialInstrumentsPolicyTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="OriginalMaturityPeriodToConsiderAllHighlyLiquidInvestmentsPurchasedAsCashEquivalents" id="fmao_OriginalMaturityPeriodToConsiderAllHighlyLiquidInvestmentsPurchasedAsCashEquivalents" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="OtherNonInterestIncomeExpenseRecoveryRelatedToUnfunded" id="fmao_OtherNonInterestIncomeExpenseRecoveryRelatedToUnfunded" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="OtherRealEstateCommercialMember" id="fmao_OtherRealEstateCommercialMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="OtherRealEstateResidentialMember" id="fmao_OtherRealEstateResidentialMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="OtherSecurities" id="fmao_OtherSecurities" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="OtherSecuritiesPolicyTextBlock" id="fmao_OtherSecuritiesPolicyTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PaymentsAndMaturitiesOfAvailableForSaleSecurities" id="fmao_PaymentsAndMaturitiesOfAvailableForSaleSecurities" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PercentageOfLikelihoodOfRealizationOfRecognizedTaxBenefitMinimum" id="fmao_PercentageOfLikelihoodOfRealizationOfRecognizedTaxBenefitMinimum" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PeriodForClassifyingLoanAsNonAccrualStatus" id="fmao_PeriodForClassifyingLoanAsNonAccrualStatus" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PeriodForFederalFundsPurchasedAndSold" id="fmao_PeriodForFederalFundsPurchasedAndSold" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PropertyPlantAndEquipmentUsefulLifeAndValuesAbstract" id="fmao_PropertyPlantAndEquipmentUsefulLifeAndValuesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PurchasedOfTreasuryStockRelatedToStockAwardDuringPeriodShare" id="fmao_PurchasedOfTreasuryStockRelatedToStockAwardDuringPeriodShare" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PurchasedOfTreasuryStockRelatedToStockAwardDuringPeriodValue" id="fmao_PurchasedOfTreasuryStockRelatedToStockAwardDuringPeriodValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="ReclassificationOfGainsLossesToNetIncome" id="fmao_ReclassificationOfGainsLossesToNetIncome" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="RecordedInvestmentInThoseClassesBasedOnPaymentActivityAndAssignedGradingTableTextBlock" id="fmao_RecordedInvestmentInThoseClassesBasedOnPaymentActivityAndAssignedGradingTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="ReEvaluationPeriodForRealEstate" id="fmao_ReEvaluationPeriodForRealEstate" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="RegulatoryCapitalRequirementsPhasePeriod" id="fmao_RegulatoryCapitalRequirementsPhasePeriod" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="RelatedPartyOwnershipAmountInConcernEntity" id="fmao_RelatedPartyOwnershipAmountInConcernEntity" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="RelatedPartyTransactionDueFromPartyAmountReceivedDuringPeriod" id="fmao_RelatedPartyTransactionDueFromPartyAmountReceivedDuringPeriod" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="RepaymentPeriodOfLoanWithReasonableReductionOfPrincipalBalance" id="fmao_RepaymentPeriodOfLoanWithReasonableReductionOfPrincipalBalance" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="ReserveFederalReserveBank" id="fmao_ReserveFederalReserveBank" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="RiskCategoryOfLoansTableTextBlock" id="fmao_RiskCategoryOfLoansTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="RiskWeightedAssetsCapitalConservationBuffer" id="fmao_RiskWeightedAssetsCapitalConservationBuffer" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="RiskWeightedAssetsCapitalConservationBufferAtBaseLevel" id="fmao_RiskWeightedAssetsCapitalConservationBufferAtBaseLevel" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SatisfactoryMember" id="fmao_SatisfactoryMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SatisfactoryMonitoredMember" id="fmao_SatisfactoryMonitoredMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="ScheduleOfLoansIndividuallyEvaluatedForImpairmentByPortfolioSegmentTableTextBlock" id="fmao_ScheduleOfLoansIndividuallyEvaluatedForImpairmentByPortfolioSegmentTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="ScheduleOfSecuritiesSoldUnderAgreementToRepurchaseTableTextBlock" id="fmao_ScheduleOfSecuritiesSoldUnderAgreementToRepurchaseTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SecuritiesSoldUnderAgreementsToRepurchaseAverageOutstandingAmountInPeriod" id="fmao_SecuritiesSoldUnderAgreementsToRepurchaseAverageOutstandingAmountInPeriod" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SecuritiesSoldUnderAgreementsToRepurchaseMaximumMonthlyOutstandingAmount" id="fmao_SecuritiesSoldUnderAgreementsToRepurchaseMaximumMonthlyOutstandingAmount" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SecuritiesSoldUnderAgreementsToRepurchaseWeightedAverageInterestRate" id="fmao_SecuritiesSoldUnderAgreementsToRepurchaseWeightedAverageInterestRate" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SecuritiesSoldUnderAgreementsToRepurchaseWeightedAverageInterestRateDuringPeriod" id="fmao_SecuritiesSoldUnderAgreementsToRepurchaseWeightedAverageInterestRateDuringPeriod" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="ServicingAssetAtAmortizedValueAdditionalDisclosuresAbstract" id="fmao_ServicingAssetAtAmortizedValueAdditionalDisclosuresAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsShareVestedPercentage" id="fmao_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsShareVestedPercentage" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfEmployees" id="fmao_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfEmployees" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfEmployeeShareIssued" id="fmao_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfEmployeeShareIssued" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SharesPaidToEstateOfDeceasedEmployeeUponRetirement" id="fmao_SharesPaidToEstateOfDeceasedEmployeeUponRetirement" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SummaryOfIncomeAbstract" id="fmao_SummaryOfIncomeAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SummaryOfSignificantAccountingPoliciesLineItems" id="fmao_SummaryOfSignificantAccountingPoliciesLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SummaryOfSignificantAccountingPoliciesTable" id="fmao_SummaryOfSignificantAccountingPoliciesTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem"/>
  <element name="TaxableMember" id="fmao_TaxableMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="TaxCutsAndJobsActOf2017ChangeInTaxRateIncomeTaxExpenseBenefit" id="fmao_TaxCutsAndJobsActOf2017ChangeInTaxRateIncomeTaxExpenseBenefit" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="TaxExemptMember" id="fmao_TaxExemptMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="TierOneCapitalMember" id="fmao_TierOneCapitalMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="TimeDepositsLessThan250000" id="fmao_TimeDepositsLessThan250000" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="TimeDepositsTableTextBlock" id="fmao_TimeDepositsTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="TreasuryStockPolicyTextBlock" id="fmao_TreasuryStockPolicyTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="UnfundedLoanCommitmentAndLettersOfCreditMember" id="fmao_UnfundedLoanCommitmentAndLettersOfCreditMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="UnpledgedSecurities" id="fmao_UnpledgedSecurities" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="UnsecuredConsumerLoansCreditCardCreditsAndOverdraft" id="fmao_UnsecuredConsumerLoansCreditCardCreditsAndOverdraft" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="YearTwoThousandElevenMember" id="fmao_YearTwoThousandElevenMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="YearTwoThousandFourteenMember" id="fmao_YearTwoThousandFourteenMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="YearTwoThousandThirteenMember" id="fmao_YearTwoThousandThirteenMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
</schema>
