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        <link:definition>081700 - Disclosure - DERIVATIVES (Tables)</link:definition>
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        <link:definition>081800 - Disclosure - PARENT COMPANY ONLY CONDENSED FINANCIAL INFORMATION (Tables)</link:definition>
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        <link:definition>081900 - Disclosure - EARNINGS PER SHARE (Tables)</link:definition>
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        <link:definition>090100 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/SecuritiesAvailableForSaleDetails" id="SecuritiesAvailableForSaleDetails">
        <!--Parent Role: SECURITIES-->
        <link:definition>090200 - Disclosure - SECURITIES, Available for Sale (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/SecuritiesAmortizedCostAndFairValueOfSecuritiesByContractualMaturityDetails" id="SecuritiesAmortizedCostAndFairValueOfSecuritiesByContractualMaturityDetails">
        <!--Parent Role: SECURITIES-->
        <link:definition>090202 - Disclosure - SECURITIES, Amortized Cost and Fair Value of Securities by Contractual Maturity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/SecuritiesSecuritiesTransferredAndSecuritiesPledgedDetails" id="SecuritiesSecuritiesTransferredAndSecuritiesPledgedDetails">
        <!--Parent Role: SECURITIES-->
        <link:definition>090204 - Disclosure - SECURITIES, Securities Transferred and Securities Pledged (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/SecuritiesSecuritiesWithUnrealizedLossesAvailableForSaleDetails" id="SecuritiesSecuritiesWithUnrealizedLossesAvailableForSaleDetails">
        <!--Parent Role: SECURITIES-->
        <link:definition>090206 - Disclosure - SECURITIES, Securities with Unrealized Losses, Available for Sale (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/LoansHeldForInvestmentSummaryOfLoansHeldForInvestmentByCategoryDetails" id="LoansHeldForInvestmentSummaryOfLoansHeldForInvestmentByCategoryDetails">
        <!--Parent Role: LOANS HELD FOR INVESTMENT-->
        <link:definition>090300 - Disclosure - LOANS HELD FOR INVESTMENT, Summary of Loans Held for Investment by Category (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/LoansHeldForInvestmentActivityInAclForLoansDetails" id="LoansHeldForInvestmentActivityInAclForLoansDetails">
        <!--Parent Role: LOANS HELD FOR INVESTMENT-->
        <link:definition>090302 - Disclosure - LOANS HELD FOR INVESTMENT, Activity in ACL for Loans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/LoansHeldForInvestmentInvestmentInLoansDisaggregatedBasedOnMethodOfEvaluatingImpairmentDetails" id="LoansHeldForInvestmentInvestmentInLoansDisaggregatedBasedOnMethodOfEvaluatingImpairmentDetails">
        <!--Parent Role: LOANS HELD FOR INVESTMENT-->
        <link:definition>090304 - Disclosure - LOANS HELD FOR INVESTMENT, Investment in loans Disaggregated Based on Method of Evaluating Impairment (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/LoansHeldForInvestmentImpairedLoanInformationDetails" id="LoansHeldForInvestmentImpairedLoanInformationDetails">
        <!--Parent Role: LOANS HELD FOR INVESTMENT-->
        <link:definition>090306 - Disclosure - LOANS HELD FOR INVESTMENT, Impaired Loan Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/LoansHeldForInvestmentAgeAnalysisOnAccruingPastdueLoansAndNonaccrualLoansDetails" id="LoansHeldForInvestmentAgeAnalysisOnAccruingPastdueLoansAndNonaccrualLoansDetails">
        <!--Parent Role: LOANS HELD FOR INVESTMENT-->
        <link:definition>090308 - Disclosure - LOANS HELD FOR INVESTMENT, Age Analysis on Accruing Past-due Loans and Nonaccrual Loans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/LoansHeldForInvestmentAmortizedCostBasisOfLoansByCreditQualityIndicatorAndOriginationYearAndGrossChargeoffsDetails" id="LoansHeldForInvestmentAmortizedCostBasisOfLoansByCreditQualityIndicatorAndOriginationYearAndGrossChargeoffsDetails">
        <!--Parent Role: LOANS HELD FOR INVESTMENT-->
        <link:definition>090312 - Disclosure - LOANS HELD FOR INVESTMENT, Amortized Cost Basis of Loans by Credit Quality Indicator and Origination Year and Gross Charge-offs (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/LoansHeldForInvestmentAmortizedCostBasisOfLoansModifiedToBorrowersExperiencingFinancialDifficultyDetails" id="LoansHeldForInvestmentAmortizedCostBasisOfLoansModifiedToBorrowersExperiencingFinancialDifficultyDetails">
        <!--Parent Role: LOANS HELD FOR INVESTMENT-->
        <link:definition>090314 - Disclosure - LOANS HELD FOR INVESTMENT, Amortized Cost Basis of Loans Modified to Borrowers Experiencing Financial Difficulty (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/LoansHeldForInvestmentPerformanceOfLoansModifiedDetails" id="LoansHeldForInvestmentPerformanceOfLoansModifiedDetails">
        <!--Parent Role: LOANS HELD FOR INVESTMENT-->
        <link:definition>090316 - Disclosure - LOANS HELD FOR INVESTMENT, Performance of Loans Modified (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/LoansHeldForInvestmentFinancialEffectsOfLoanModificationsDetails" id="LoansHeldForInvestmentFinancialEffectsOfLoanModificationsDetails">
        <!--Parent Role: LOANS HELD FOR INVESTMENT-->
        <link:definition>090318 - Disclosure - LOANS HELD FOR INVESTMENT, Financial Effects of Loan Modifications (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/LoansHeldForInvestmentLoansModificationDetails" id="LoansHeldForInvestmentLoansModificationDetails">
        <!--Parent Role: LOANS HELD FOR INVESTMENT-->
        <link:definition>090320 - Disclosure - LOANS HELD FOR INVESTMENT, Loans Modification (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/ForeclosedAssetsForeclosedAssetsActivityDetails" id="ForeclosedAssetsForeclosedAssetsActivityDetails">
        <!--Parent Role: FORECLOSED ASSETS-->
        <link:definition>090400 - Disclosure - FORECLOSED ASSETS, Foreclosed Assets Activity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/ForeclosedAssetsNetExpensesRelatedToForeclosedAssetsDetails" id="ForeclosedAssetsNetExpensesRelatedToForeclosedAssetsDetails">
        <!--Parent Role: FORECLOSED ASSETS-->
        <link:definition>090402 - Disclosure - FORECLOSED ASSETS, Net Expenses Related to Foreclosed Assets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/PremisesAndEquipmentDetails" id="PremisesAndEquipmentDetails">
        <!--Parent Role: PREMISES AND EQUIPMENT-->
        <link:definition>090500 - Disclosure - PREMISES AND EQUIPMENT (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/LeasesLesseeArrangementsDetails" id="LeasesLesseeArrangementsDetails">
        <!--Parent Role: LEASES-->
        <link:definition>090600 - Disclosure - LEASES, Lessee Arrangements (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/LeasesDetailsCalc3" id="LeasesDetailsCalc3">
        <!--Parent Role: LEASES, Lessee Arrangements (Details)-->
        <link:definition>090602 - Disclosure - LEASES (Details) Calc 3</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/LeasesLessorArrangementsDetails" id="LeasesLessorArrangementsDetails">
        <!--Parent Role: LEASES-->
        <link:definition>090602 - Disclosure - LEASES, Lessor Arrangements (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/GoodwillAndIntangiblesDetails" id="GoodwillAndIntangiblesDetails">
        <!--Parent Role: GOODWILL AND INTANGIBLES-->
        <link:definition>090700 - Disclosure - GOODWILL AND INTANGIBLES (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/MortgageServicingRightsDetails" id="MortgageServicingRightsDetails">
        <!--Parent Role: MORTGAGE SERVICING RIGHTS-->
        <link:definition>090800 - Disclosure - MORTGAGE SERVICING RIGHTS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/DepositsDetails" id="DepositsDetails">
        <!--Parent Role: DEPOSITS-->
        <link:definition>090900 - Disclosure - DEPOSITS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/BorrowingArrangementsShorttermBorrowingsDetails" id="BorrowingArrangementsShorttermBorrowingsDetails">
        <!--Parent Role: BORROWING ARRANGEMENTS-->
        <link:definition>091000 - Disclosure - BORROWING ARRANGEMENTS, Short-term Borrowings (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/BorrowingArrangementsLinesOfCreditDetails" id="BorrowingArrangementsLinesOfCreditDetails">
        <!--Parent Role: BORROWING ARRANGEMENTS-->
        <link:definition>091002 - Disclosure - BORROWING ARRANGEMENTS, Lines of Credit (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/BorrowingArrangementsNotesPayableAndOtherBorrowingsDetails" id="BorrowingArrangementsNotesPayableAndOtherBorrowingsDetails">
        <!--Parent Role: BORROWING ARRANGEMENTS-->
        <link:definition>091004 - Disclosure - BORROWING ARRANGEMENTS, Notes Payable and Other Borrowings (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/BorrowingArrangementsJuniorSubordinatedDeferrableInterestDebenturesAndTrustPreferredSecuritiesDetails" id="BorrowingArrangementsJuniorSubordinatedDeferrableInterestDebenturesAndTrustPreferredSecuritiesDetails">
        <!--Parent Role: BORROWING ARRANGEMENTS-->
        <link:definition>091006 - Disclosure - BORROWING ARRANGEMENTS, Junior Subordinated Deferrable Interest Debentures and Trust Preferred Securities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/BorrowingArrangementsSubordinatedDebtDetails" id="BorrowingArrangementsSubordinatedDebtDetails">
        <!--Parent Role: BORROWING ARRANGEMENTS-->
        <link:definition>091008 - Disclosure - BORROWING ARRANGEMENTS, Subordinated Debt (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/EmployeeBenefitsEmployeeStockOwnershipPlanDetails" id="EmployeeBenefitsEmployeeStockOwnershipPlanDetails">
        <!--Parent Role: EMPLOYEE BENEFITS-->
        <link:definition>091100 - Disclosure - EMPLOYEE BENEFITS, Employee Stock Ownership Plan (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/EmployeeBenefitsEmployeeHealthBenefitsDetails" id="EmployeeBenefitsEmployeeHealthBenefitsDetails">
        <!--Parent Role: EMPLOYEE BENEFITS-->
        <link:definition>091102 - Disclosure - EMPLOYEE BENEFITS, Employee Health Benefits (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/EmployeeBenefitsNonqualifiedPlansDetails" id="EmployeeBenefitsNonqualifiedPlansDetails">
        <!--Parent Role: EMPLOYEE BENEFITS-->
        <link:definition>091104 - Disclosure - EMPLOYEE BENEFITS, Non-Qualified Plans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/StockbasedCompensationEquityIncentivePlanDetails" id="StockbasedCompensationEquityIncentivePlanDetails">
        <!--Parent Role: STOCK-BASED COMPENSATION-->
        <link:definition>091200 - Disclosure - STOCK-BASED COMPENSATION, Equity Incentive Plan (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/StockbasedCompensationStockOptionsActivityDetails" id="StockbasedCompensationStockOptionsActivityDetails">
        <!--Parent Role: STOCK-BASED COMPENSATION-->
        <link:definition>091202 - Disclosure - STOCK-BASED COMPENSATION, Stock Options Activity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/StockbasedCompensationFairValueAssumptionsDetails" id="StockbasedCompensationFairValueAssumptionsDetails">
        <!--Parent Role: STOCK-BASED COMPENSATION-->
        <link:definition>091204 - Disclosure - STOCK-BASED COMPENSATION, Fair Value Assumptions (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/StockbasedCompensationRestrictedStockAwardsAndUnitsDetails" id="StockbasedCompensationRestrictedStockAwardsAndUnitsDetails">
        <!--Parent Role: STOCK-BASED COMPENSATION-->
        <link:definition>091206 - Disclosure - STOCK-BASED COMPENSATION, Restricted Stock Awards and Units (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/IncomeTaxesComponentsOfIncomeTaxExpenseBenefitDetails" id="IncomeTaxesComponentsOfIncomeTaxExpenseBenefitDetails">
        <!--Parent Role: INCOME TAXES-->
        <link:definition>091300 - Disclosure - INCOME TAXES, Components of Income Tax Expense (Benefit) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/IncomeTaxesEffectiveIncomeTaxRateReconciliationDetails" id="IncomeTaxesEffectiveIncomeTaxRateReconciliationDetails">
        <!--Parent Role: INCOME TAXES-->
        <link:definition>091302 - Disclosure - INCOME TAXES, Effective Income Tax Rate Reconciliation (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/IncomeTaxesDeferredTaxAssetsAndLiabilitiesDetails" id="IncomeTaxesDeferredTaxAssetsAndLiabilitiesDetails">
        <!--Parent Role: INCOME TAXES-->
        <link:definition>091304 - Disclosure - INCOME TAXES, Deferred Tax Assets and Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/RelatedpartyTransactionsDetails" id="RelatedpartyTransactionsDetails">
        <!--Parent Role: RELATED-PARTY TRANSACTIONS-->
        <link:definition>091400 - Disclosure - RELATED-PARTY TRANSACTIONS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/OffbalancesheetActivitiesCommitmentsAndContingenciesDetails" id="OffbalancesheetActivitiesCommitmentsAndContingenciesDetails">
        <!--Parent Role: OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES-->
        <link:definition>091500 - Disclosure - OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/CapitalAndRegulatoryMattersDetails" id="CapitalAndRegulatoryMattersDetails">
        <!--Parent Role: CAPITAL AND REGULATORY MATTERS-->
        <link:definition>091600 - Disclosure - CAPITAL AND REGULATORY MATTERS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/DerivativesFairValueHedgesInConsolidatedBalanceSheetsDetails" id="DerivativesFairValueHedgesInConsolidatedBalanceSheetsDetails">
        <!--Parent Role: DERIVATIVES-->
        <link:definition>091700 - Disclosure - DERIVATIVES, Fair Value Hedges in Consolidated Balance Sheets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/DerivativesMortgageBankingDerivativesDetails" id="DerivativesMortgageBankingDerivativesDetails">
        <!--Parent Role: DERIVATIVES-->
        <link:definition>091702 - Disclosure - DERIVATIVES, Mortgage Banking Derivatives (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/ParentCompanyOnlyCondensedFinancialInformationCondensedBalanceSheetsDetails" id="ParentCompanyOnlyCondensedFinancialInformationCondensedBalanceSheetsDetails">
        <!--Parent Role: PARENT COMPANY ONLY CONDENSED FINANCIAL INFORMATION-->
        <link:definition>091800 - Disclosure - PARENT COMPANY ONLY CONDENSED FINANCIAL INFORMATION, Condensed Balance Sheets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/ParentCompanyOnlyCondensedFinancialInformationCondensedStatementsOfIncomeDetails" id="ParentCompanyOnlyCondensedFinancialInformationCondensedStatementsOfIncomeDetails">
        <!--Parent Role: PARENT COMPANY ONLY CONDENSED FINANCIAL INFORMATION-->
        <link:definition>091802 - Disclosure - PARENT COMPANY ONLY CONDENSED FINANCIAL INFORMATION, Condensed Statements of Income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/ParentCompanyOnlyCondensedFinancialInformationCondensedStatementsOfCashFlowsDetails" id="ParentCompanyOnlyCondensedFinancialInformationCondensedStatementsOfCashFlowsDetails">
        <!--Parent Role: PARENT COMPANY ONLY CONDENSED FINANCIAL INFORMATION-->
        <link:definition>091804 - Disclosure - PARENT COMPANY ONLY CONDENSED FINANCIAL INFORMATION, Condensed Statements of Cash Flows (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/EarningsPerShareDetails" id="EarningsPerShareDetails">
        <!--Parent Role: EARNINGS PER SHARE-->
        <link:definition>091900 - Disclosure - EARNINGS PER SHARE (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
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  <xs:element name="LoansHeldForSaleAggregateUnpaidPrincipalBalanceFairValueDisclosure" id="spfi_LoansHeldForSaleAggregateUnpaidPrincipalBalanceFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="JuniorSubordinatedDeferrableInterestDebenturesFairValueDisclosure" id="spfi_JuniorSubordinatedDeferrableInterestDebenturesFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="InterestReceivableFairValueDisclosure" id="spfi_InterestReceivableFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="LoansHeldForSaleBestEffortsFairValueDisclosure" id="spfi_LoansHeldForSaleBestEffortsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="AssetBackedAndOtherAmortizingSecuritiesFairValueDisclosure" id="spfi_AssetBackedAndOtherAmortizingSecuritiesFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="LoansHeldForSaleMandatoryFairValueDisclosure" id="spfi_LoansHeldForSaleMandatoryFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="FairValueOfAssetsMeasuredOnNonRecurringBasisAbstract" id="spfi_FairValueOfAssetsMeasuredOnNonRecurringBasisAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AssetsLiabilitiesMeasuredAtFairValueOnRecurringBasisAbstract" id="spfi_AssetsLiabilitiesMeasuredAtFairValueOnRecurringBasisAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ErrorCorrectionsAndPriorPeriodAdjustmentsAbstract" id="spfi_ErrorCorrectionsAndPriorPeriodAdjustmentsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
</xs:schema>
