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        <link:definition>090700 - Disclosure - STOCK-BASED COMPENSATION, Equity Incentive Plan (Details)</link:definition>
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        <link:definition>090702 - Disclosure - STOCK-BASED COMPENSATION, Stock Options Activity (Details)</link:definition>
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        <link:definition>090704 - Disclosure - STOCK-BASED COMPENSATION, Fair Value Assumptions (Details)</link:definition>
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        <link:definition>090706 - Disclosure - STOCK-BASED COMPENSATION, Restricted Stock Awards and Units (Details)</link:definition>
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        <link:definition>090800 - Disclosure - OFF-BALANCE SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES (Details)</link:definition>
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        <link:definition>090900 - Disclosure - LEASES (Details)</link:definition>
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        <link:definition>090902 - Disclosure - LEASES (Details) Calc 2</link:definition>
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        <link:definition>091000 - Disclosure - CAPITAL AND REGULATORY MATTERS (Details)</link:definition>
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        <link:definition>091100 - Disclosure - DERIVATIVES, Fair Value Hedges in Consolidated Balance Sheets (Details)</link:definition>
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</xs:schema>
