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  <xs:element id="mvbf_FinancingReceivableOverdrawnDeposits" abstract="false" name="FinancingReceivableOverdrawnDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mvbf_DefinedBenefitPlanBenefitObligationNumberOfEqualConsecutiveInstallments" abstract="false" name="DefinedBenefitPlanBenefitObligationNumberOfEqualConsecutiveInstallments" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="mvbf_DefinedBenefitPlanTermOfProvisionForDelayedPayment" abstract="false" name="DefinedBenefitPlanTermOfProvisionForDelayedPayment" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="mvbf_OtherSecuritiesMember" abstract="true" name="OtherSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mvbf_FairValueAssetsIncludingDerivativesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" abstract="true" name="FairValueAssetsIncludingDerivativesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="mvbf_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValueIncludingDerivatives" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValueIncludingDerivatives" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mvbf_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetIncludingDerivativesGainLossIncludedInEarnings" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetIncludingDerivativesGainLossIncludedInEarnings" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mvbf_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetIncludingDerivativesSettlements" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetIncludingDerivativesSettlements" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mvbf_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetIncludingDerivativesGainLossIncludedInOtherComprehensiveIncomeLoss" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetIncludingDerivativesGainLossIncludedInOtherComprehensiveIncomeLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mvbf_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfOtherComprehensiveIncomeExtensibleListNotDisclosedFlag" abstract="false" name="FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfOtherComprehensiveIncomeExtensibleListNotDisclosedFlag" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="mvbf_CollateralDependentLoansMember" abstract="true" name="CollateralDependentLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mvbf_OtherRealEstateOwnedMember" abstract="true" name="OtherRealEstateOwnedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mvbf_MeasurementInputLiquidationExpenseMember" abstract="true" name="MeasurementInputLiquidationExpenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mvbf_MeasurementInputDeferredPaymentMember" abstract="true" name="MeasurementInputDeferredPaymentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mvbf_AppraisalOfCollateralMember" abstract="true" name="AppraisalOfCollateralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mvbf_AppraisalOfBondMember" abstract="true" name="AppraisalOfBondMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mvbf_CollateralDependentLoansMeasurementInput" abstract="false" name="CollateralDependentLoansMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="mvbf_FixedRateMortgagesMember" abstract="true" name="FixedRateMortgagesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mvbf_FixedRateBondsMember" abstract="true" name="FixedRateBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mvbf_FixedRateMunicipalBondsMember" abstract="true" name="FixedRateMunicipalBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mvbf_PaymentsForDerivativeTermination" abstract="false" name="PaymentsForDerivativeTermination" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mvbf_InterestIncomeHedgeBasisAdjustmentPortfolioLayerMethodIncreaseDecrease" abstract="false" name="InterestIncomeHedgeBasisAdjustmentPortfolioLayerMethodIncreaseDecrease" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mvbf_InterestIncomeHedgeBasisAdjustmentPortfolioLayerMethodBalanceRemaining" abstract="false" name="InterestIncomeHedgeBasisAdjustmentPortfolioLayerMethodBalanceRemaining" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mvbf_DerivativeAmountSold" abstract="false" name="DerivativeAmountSold" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mvbf_NumberOfInterestRateDerivativesHeldAmortizing" abstract="false" name="NumberOfInterestRateDerivativesHeldAmortizing" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="mvbf_HedgedAssetFairValueHedgePortfolioLayerMethodHedgedLayerAmortizationAdjustment" abstract="false" name="HedgedAssetFairValueHedgePortfolioLayerMethodHedgedLayerAmortizationAdjustment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mvbf_PayFixedRateSwapsMember" abstract="true" name="PayFixedRateSwapsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mvbf_InterestReceivableAndOtherAssetsMember" abstract="true" name="InterestReceivableAndOtherAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mvbf_AccumulatedGainLossNetInvestmentHedgeParentMember" abstract="true" name="AccumulatedGainLossNetInvestmentHedgeParentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mvbf_CommercialAndRetailBankingSegmentMember" abstract="true" name="CommercialAndRetailBankingSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mvbf_MortgageBankingSegmentMember" abstract="true" name="MortgageBankingSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mvbf_FinancialHoldingCompanyMember" abstract="false" name="FinancialHoldingCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mvbf_NoninterestExpenseExcludingSalariesAndEmployeeBenefits" abstract="false" name="NoninterestExpenseExcludingSalariesAndEmployeeBenefits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mvbf_DisposalGroupIncludingDiscontinuedOperationAccruedInterestReceivableAndOtherAssets" abstract="false" name="DisposalGroupIncludingDiscontinuedOperationAccruedInterestReceivableAndOtherAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mvbf_DisposalGroupIncludingDiscontinuedOperationAccruedInterestPayableAndOtherLiabilities" abstract="false" name="DisposalGroupIncludingDiscontinuedOperationAccruedInterestPayableAndOtherLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mvbf_StockRepurchaseProgramExpenditureAmountTriggeringExpiration" abstract="false" name="StockRepurchaseProgramExpenditureAmountTriggeringExpiration" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
