<!-- Generated by iC(tm) - CompSci Interactive Converter - http://www.compsciresources.com -->     
<!-- Created: Mon May 14 15:45:33 UTC 2012 -->  
<xs:schema xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:esbs="http://esbna.com/20120331" targetNamespace="http://esbna.com/20120331" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:us-types="http://fasb.org/us-types/2012-01-31" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" elementFormDefault="qualified" xmlns:xbrldt="http://xbrl.org/2005/xbrldt">    
  <xs:annotation>   
    <xs:appinfo>  
      <link:linkbaseRef xlink:type="simple" xlink:href="esbs-20120331_lab.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef"/> 
      <link:linkbaseRef xlink:type="simple" xlink:href="esbs-20120331_pre.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef"/>   
      <link:linkbaseRef xlink:type="simple" xlink:href="esbs-20120331_def.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef"/> 
      <link:linkbaseRef xlink:type="simple" xlink:href="esbs-20120331_cal.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef"/>  
      <link:roleType roleURI="http://esbna.com/role/ConsolidatedBalanceSheet" id="esbs_ConsolidatedBalanceSheet">    
        <link:definition>001 - Statement - Consolidated Statements of Financial Condition</link:definition>   
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://esbna.com/role/ConsolidatedBalanceSheet_Parentheticals" id="esbs_ConsolidatedBalanceSheet_Parentheticals">    
        <link:definition>002 - Statement - Consolidated Statements of Financial Condition (Parentheticals)</link:definition>     
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://esbna.com/role/ConsolidatedIncomeStatement" id="esbs_ConsolidatedIncomeStatement">     
        <link:definition>003 - Statement - Consolidated Statements of Operations</link:definition>    
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://esbna.com/role/ShareholdersEquityType2or3" id="esbs_ShareholdersEquityType2or3">   
        <link:definition>004 - Statement - Consolidated Statements of Changes in Stockholders' Equity</link:definition>     
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://esbna.com/role/ConsolidatedCashFlow" id="esbs_ConsolidatedCashFlow"> 
        <link:definition>005 - Statement - Consolidated Statements of Cash Flows</link:definition>    
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://esbna.com/role/Note" id="esbs_Note">    
        <link:definition>006 - Disclosure - Note 1 - Nature of Operations</link:definition>  
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://esbna.com/role/Note0" id="esbs_Note0"> 
        <link:definition>007 - Disclosure - Note 2 - Basis of Presentation</link:definition>   
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://esbna.com/role/Note00" id="esbs_Note00">   
        <link:definition>008 - Disclosure - Note 3 - Investment Securities</link:definition>   
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
<!-- [WMV3][XcpuxYn59dz7vgYynUDuwG7r97K2jUTysl7vcz0lJt8UCLPdYZl35nXbOCDIyGTq2Y97WnPhvfcpiknAPm+euiz7UsdZ49+e7znuencnWF7x+woGkupgH43YV+Q8b6imtwJU3kR1o8yhKZzrgBxdrKBCyiQcPxvEesxMAkMF76OqtLD5ln8oTrvc3pbBpy5YqoUx1WkonWRGXgHyvEkSQ/cLZO/Mhez5io8cR4ZgzRI=] CSR-->  
      <link:roleType roleURI="http://esbna.com/role/Note000" id="esbs_Note000">     
        <link:definition>009 - Disclosure - Note 4 - Loans</link:definition>  
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://esbna.com/role/Note0000" id="esbs_Note0000">  
        <link:definition>010 - Disclosure - Note 5 - Allowance for Loan Losses</link:definition>  
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://esbna.com/role/Note00000" id="esbs_Note00000">    
        <link:definition>011 - Disclosure - Note 6 - Fair Value</link:definition>  
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://esbna.com/role/Note000000" id="esbs_Note000000"> 
        <link:definition>012 - Disclosure - Note 7 - Commitments and Contingencies</link:definition> 
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://esbna.com/role/DocumentAndEntityInformation" id="DocumentAndEntityInformation">  
        <link:definition>000 - Disclosure - Document And Entity Information</link:definition>    
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
    </xs:appinfo>   
  </xs:annotation>    
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>  
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>  
  <xs:import namespace="http://fasb.org/us-types/2012-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2012/elts/us-types-2012-01-31.xsd"/>   
  <xs:import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd"/>   
  <xs:import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd"/>     
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>   
  <xs:element name="ConsolidatedStatementsOfFinancialConditionAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="esbs_ConsolidatedStatementsOfFinancialConditionAbstract"/>    
  <xs:element name="ConsolidatedStatementsOfOperationsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="esbs_ConsolidatedStatementsOfOperationsAbstract"/>   
  <xs:element name="InterestAndDividendIncomeAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="esbs_InterestAndDividendIncomeAbstract"/>     
  <xs:element name="NonInterestIncomeAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="esbs_NonInterestIncomeAbstract"/>    
  <xs:element name="NonInterestExpenseAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="esbs_NonInterestExpenseAbstract"/> 
  <xs:element name="OtherComprehensiveIncomeLossAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="esbs_OtherComprehensiveIncomeLossAbstract"/> 
  <xs:element name="WeightedAverageAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="esbs_WeightedAverageAbstract"/>     
  <xs:element name="EarningsLossPerCommonShareAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="esbs_EarningsLossPerCommonShareAbstract"/>  
  <xs:element name="ConsolidatedStatementsOfChangesInStockholdersEquityAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="esbs_ConsolidatedStatementsOfChangesInStockholdersEquityAbstract"/>  
  <xs:element name="ComprehensiveIncomeAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="esbs_ComprehensiveIncomeAbstract"/>   
  <xs:element name="ConsolidatedStatementsOfCashFlowsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="esbs_ConsolidatedStatementsOfCashFlowsAbstract"/> 
  <xs:element name="CashFlowsFromOperatingActivitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="esbs_CashFlowsFromOperatingActivitiesAbstract"/>    
  <xs:element name="AdjustmentsToReconcileNetIncomeToNetCashProvidedByUsedInOperatingActivitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="esbs_AdjustmentsToReconcileNetIncomeToNetCashProvidedByUsedInOperatingActivitiesAbstract"/>     
  <xs:element name="ChangesInAssetsAndLiabilitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="esbs_ChangesInAssetsAndLiabilitiesAbstract"/>   
  <xs:element name="CashFlowsFromInvestingActivitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="esbs_CashFlowsFromInvestingActivitiesAbstract"/>    
  <xs:element name="CashFlowsFromFinancingActivitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="esbs_CashFlowsFromFinancingActivitiesAbstract"/>    
  <xs:element name="OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlockAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="esbs_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlockAbstract"/>     
  <xs:element name="SignificantAccountingPoliciesTextBlockAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="esbs_SignificantAccountingPoliciesTextBlockAbstract"/> 
  <xs:element name="AvailableForSaleSecuritiesTableTextBlockAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="esbs_AvailableForSaleSecuritiesTableTextBlockAbstract"/>     
  <xs:element name="LoansNotesTradeAndOtherReceivablesDisclosureTextBlockAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="esbs_LoansNotesTradeAndOtherReceivablesDisclosureTextBlockAbstract"/> 
  <xs:element name="AllowanceForCreditLossesTextBlockAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="esbs_AllowanceForCreditLossesTextBlockAbstract"/> 
  <xs:element name="FairValueDisclosuresTextBlockAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="esbs_FairValueDisclosuresTextBlockAbstract"/>   
  <xs:element name="CommitmentsAndContingenciesDisclosureTextBlockAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="esbs_CommitmentsAndContingenciesDisclosureTextBlockAbstract"/>  
  <xs:element name="DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="esbs_DocumentAndEntityInformationAbstract"/> 
</xs:schema>   
