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	<element name="StockIssuedDuringPeriodValueForDeferredDirectorFees" id="fnhm_StockIssuedDuringPeriodValueForDeferredDirectorFees" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="ShareholdersEquityAndComprehensiveIncomeParentheticalAbstract" id="fnhm_ShareholdersEquityAndComprehensiveIncomeParentheticalAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="GainOnSaleOfBrokeredCertificatesOfDeposit" id="fnhm_GainOnSaleOfBrokeredCertificatesOfDeposit" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="LossOnSaleOfOtherRealEstate" id="fnhm_LossOnSaleOfOtherRealEstate" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="ProceedsFromSaleOfBrokeredCertificatesOfDeposit" id="fnhm_ProceedsFromSaleOfBrokeredCertificatesOfDeposit" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="MaturityOfCertificatesOfDeposit" id="fnhm_MaturityOfCertificatesOfDeposit" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="SharesIssuedForEmployeeStockPurchasePlan" id="fnhm_SharesIssuedForEmployeeStockPurchasePlan" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="LoansTransferredToOtherRealEstate" id="fnhm_LoansTransferredToOtherRealEstate" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="LoansChargedOf" id="fnhm_LoansChargedOf" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="RegulatoryMattersAndGoingConcernDisclosureAbstract" id="fnhm_RegulatoryMattersAndGoingConcernDisclosureAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="RegulatoryMattersAndGoingConcernDisclosureTextBlock" id="fnhm_RegulatoryMattersAndGoingConcernDisclosureTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="InvestmentSecuritiesAbstract" id="fnhm_InvestmentSecuritiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="InvestmentSecuritiesTextBlock" id="fnhm_InvestmentSecuritiesTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="RetirementPlanAbstract" id="fnhm_RetirementPlanAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="RetirementPlanDisclosureTextBlock" id="fnhm_RetirementPlanDisclosureTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="DirectorsStockFeePlanAbstract" id="fnhm_DirectorsStockFeePlanAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="DirectorsStockFeePlanDisclosureTextBlock" id="fnhm_DirectorsStockFeePlanDisclosureTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="EmployeesStockPurchasePlanAbstract" id="fnhm_EmployeesStockPurchasePlanAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="EmployeesStockPurchasePlanDisclosureTextBlock" id="fnhm_EmployeesStockPurchasePlanDisclosureTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="FinancialInstrumentsWithOffBalanceSheetRiskAbstract" id="fnhm_FinancialInstrumentsWithOffBalanceSheetRiskAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="FinancialInstrumentsWithOffBalanceSheetRiskDisclosureTextBlock" id="fnhm_FinancialInstrumentsWithOffBalanceSheetRiskDisclosureTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="CapitalDisclosureTextBlock" id="fnhm_CapitalDisclosureTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="ContingentLiabilitiesAbstract" id="fnhm_ContingentLiabilitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="ContingentLiabilitiesDisclosureTextBlock" id="fnhm_ContingentLiabilitiesDisclosureTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="StockIssuedDuringPeriodSharesForCurrentDirectorFees" id="fnhm_StockIssuedDuringPeriodSharesForCurrentDirectorFees" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="false" nillable="true"/>
	<element name="StockIssuedDuringPeriodSharesForDeferredDirectorFees" id="fnhm_StockIssuedDuringPeriodSharesForDeferredDirectorFees" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="false" nillable="true"/>
	<element name="ProceedsFromSaleOfOtherRealEstateOwnedHeldForSale" id="fnhm_ProceedsFromSaleOfOtherRealEstateOwnedHeldForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" nillable="true"/>
<element name="FinancialInstrumentsAbstract" id="fnhm_FinancialInstrumentsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" nillable="true"/>
<element name="SharesIssuedForCurrentAndVariableDirectorsCompensation" id="fnhm_SharesIssuedForCurrentAndVariableDirectorsCompensation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" nillable="true"/>
<element name="StockIssuedDuringPeriodValueLongTermIncentivePlan" id="fnhm_StockIssuedDuringPeriodValueLongTermIncentivePlan" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" nillable="true"/>
</schema>
