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<element name="NonPerformingLoansMember" id="fnhm_NonPerformingLoansMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/> 
 
<element name="CommercialRealEstateOwnerOccupiedFinancingReceivableMember" id="fnhm_CommercialRealEstateOwnerOccupiedFinancingReceivableMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/> 
<element name="CommercialRealEstateNonownerOccupiedFinancingReceivableMember" id="fnhm_CommercialRealEstateNonownerOccupiedFinancingReceivableMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/> 
<element name="ConsumerRealEstateCommercialFinancingReceivableMember" id="fnhm_ConsumerRealEstateCommercialFinancingReceivableMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/> 
<element name="ConsumerRealEstateMortgageResidentialFinancingReceivableMember" id="fnhm_ConsumerRealEstateMortgageResidentialFinancingReceivableMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/> 
<element name="ConsumerRealEstateHomeEquityAndHomeEquityLinesOfCreditFinancingReceivableMember" id="fnhm_ConsumerRealEstateHomeEquityAndHomeEquityLinesOfCreditFinancingReceivableMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/> 
<element name="RecordedInvestmentNonAccrual" id="fnhm_RecordedInvestmentNonAccrual" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/> 
<element name="LoansReceivableWithSpecificAllowanceMember" id="fnhm_LoansReceivableWithSpecificAllowanceMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/> 
<element name="LoansReceivableWithNoSpecificAllowanceMember" id="fnhm_LoansReceivableWithNoSpecificAllowanceMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/> 
<element name="FinancingReceivableRecordedInvestmentAccrualStatus" id="fnhm_FinancingReceivableRecordedInvestmentAccrualStatus" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/> 
<element name="LoanReceivableModificationsNumberOfContracts" id="fnhm_LoanReceivableModificationsNumberOfContracts" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/> 
<element name="LoanReceivableModificationsPreModificationRecordedInvestment" id="fnhm_LoanReceivableModificationsPreModificationRecordedInvestment" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/> 
<element name="LoanReceivableModificationsPostModificationRecordedInvestment" id="fnhm_LoanReceivableModificationsPostModificationRecordedInvestment" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/> 
<element name="NonMarketInterestRateMember" id="fnhm_NonMarketInterestRateMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/> 
<element name="ExtensionOfAmortizationPeriodMember" id="fnhm_ExtensionOfAmortizationPeriodMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/> 
<element name="NonMarketInterestRateAndExtensionOfAmortizationPeriodMember" id="fnhm_NonMarketInterestRateAndExtensionOfAmortizationPeriodMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/> 
<element name="WatchMember" id="fnhm_WatchMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/> 
<element name="RepaymentOfTroubledDebtRestructuringAmount" id="fnhm_RepaymentOfTroubledDebtRestructuringAmount" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/> 
<element name="PreModificationRecordedInvestmentIncludedInNonMarketInterestRateRestructuring" id="fnhm_PreModificationRecordedInvestmentIncludedInNonMarketInterestRateRestructuring" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/> 
<element name="ImpairmentEvaluationCondition" id="fnhm_ImpairmentEvaluationCondition" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/> 
<element name="FairValueMeasurementGainsLossesRealizedAndUnrealizedAbstract" id="fnhm_FairValueMeasurementGainsLossesRealizedAndUnrealizedAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/> 
<element name="ImpairedLoansMember" id="fnhm_ImpairedLoansMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/> 
<element name="OtherRealEstateOwnedMember" id="fnhm_OtherRealEstateOwnedMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/> 
<element name="AssetsCarryingValueDisclosureAbstract" id="fnhm_AssetsCarryingValueDisclosureAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/> 
<element name="NonAgencyMortgageBackedSecurity" id="fnhm_NonAgencyMortgageBackedSecurity" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/> 
<element name="LiabilitiesCarryingValueDisclosureAbstract" id="fnhm_LiabilitiesCarryingValueDisclosureAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/> 
<element name="CollarteralizedFinancialInstrumentsDomain" id="fnhm_CollarteralizedFinancialInstrumentsDomain" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/> 
<element name="TdrMember" id="fnhm_TdrMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/> 
<element name="DefaultRatesAbstract" id="fnhm_DefaultRatesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" nillable="true"/>

<element name="LossServerityRatesAbstract" id="fnhm_LossServerityRatesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" nillable="true"/>
<element name="StockholdingPercentage" id="fnhm_StockholdingPercentage" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="false" nillable="true"/>
</schema>
