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        <link:definition>090600 - Disclosure - DEPOSITS (Details)</link:definition>
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        <link:definition>090700 - Disclosure - OTHER BORROWED FUNDS (Details)</link:definition>
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        <link:definition>090800 - Disclosure - EARNINGS PER COMMON SHARE (Details)</link:definition>
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        <link:definition>090900 - Disclosure - FEDERAL INCOME TAXES (Details)</link:definition>
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        <link:definition>091000 - Disclosure - COMMITMENTS AND OFF BALANCE-SHEET RISK (Details)</link:definition>
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        <link:definition>091100 - Disclosure - CONTINGENCIES (Details)</link:definition>
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        <link:definition>091200 - Disclosure - SHAREHOLDERS' EQUITY (Details)</link:definition>
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  <xs:element name="CommercialLoansClassifiedAsSubstandardOrWorseTableTextBlock" id="mcbc_CommercialLoansClassifiedAsSubstandardOrWorseTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="ActivityInAllowanceForLoanLossesByPortfolioSegmentTableTextBlock" id="mcbc_ActivityInAllowanceForLoanLossesByPortfolioSegmentTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="TroubledDebtRestructureLoansThatDefaultedDuringPeriodTableTextBlock" id="mcbc_TroubledDebtRestructureLoansThatDefaultedDuringPeriodTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="AllowanceForLoanLossesAndRecordedInvestmentInLoansByPortfolioSegmentTableTextBlock" id="mcbc_AllowanceForLoanLossesAndRecordedInvestmentInLoansByPortfolioSegmentTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="RecordedInvestmentInConsumerLoansBasedOnPaymentActivityTableTextBlock" id="mcbc_RecordedInvestmentInConsumerLoansBasedOnPaymentActivityTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="LoansIndividuallyEvaluatedForImpairmentByClassOfLoansTableTextBlock" id="mcbc_LoansIndividuallyEvaluatedForImpairmentByClassOfLoansTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="CompositionOfLoanPortfolioTableTextBlock" id="mcbc_CompositionOfLoanPortfolioTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="CommitmentsToMakeLoansAtFixedRates" id="mcbc_CommitmentsToMakeLoansAtFixedRates" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="SummaryOfContractualAmountsOfFinancialInstrumentsWithOffBalanceSheetRiskAbstract" id="mcbc_SummaryOfContractualAmountsOfFinancialInstrumentsWithOffBalanceSheetRiskAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ExpirationPeriodOfCommitmentToMakeVariableRateLoan" id="mcbc_ExpirationPeriodOfCommitmentToMakeVariableRateLoan" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="PeriodWithinWhichEntityNotExpectedTotalAmountOfUnrecognizedTaxBenefitsToSignificantlyIncreaseOrDecrease" id="mcbc_PeriodWithinWhichEntityNotExpectedTotalAmountOfUnrecognizedTaxBenefitsToSignificantlyIncreaseOrDecrease" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="DeferredTaxAssetsValuationAllowanceOnOtherRealEstateOwned" id="mcbc_DeferredTaxAssetsValuationAllowanceOnOtherRealEstateOwned" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="IncomeTaxReconciliationAdditionsDeductionsAbstract" id="mcbc_IncomeTaxReconciliationAdditionsDeductionsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="EndingAllowanceAttributableToLoansAbstract" id="mcbc_EndingAllowanceAttributableToLoansAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="LoansReceivableAbstract" id="mcbc_LoansReceivableAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="StockIssuedDuringPeriodSharesConversionOfPreferredStock" id="mcbc_StockIssuedDuringPeriodSharesConversionOfPreferredStock" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="NumberOfFullServiceBranchOffices" id="mcbc_NumberOfFullServiceBranchOffices" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="AllowanceForLoanAndLeaseLossesProvisionForLossNet1Abstract" id="mcbc_AllowanceForLoanAndLeaseLossesProvisionForLossNet1Abstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PeriodForAnnualizedHistoricalLossExperienceUsedForCommercialLoans" id="mcbc_PeriodForAnnualizedHistoricalLossExperienceUsedForCommercialLoans" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="IncomeTaxesAbstract" id="mcbc_IncomeTaxesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PercentageOfMoreLikelyThanNotTaxPositionThatWouldBeSustainedInTaxExamination" id="mcbc_PercentageOfMoreLikelyThanNotTaxPositionThatWouldBeSustainedInTaxExamination" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="PeriodForHistoricalLossExperienceAppliedToResidentialMortgageAndConsumerLoanPortfolios" id="mcbc_PeriodForHistoricalLossExperienceAppliedToResidentialMortgageAndConsumerLoanPortfolios" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="MinimumInternalRiskGradingOfCommercialAndCommercialRealEstateLoansEvaluatedForImpairment" id="mcbc_MinimumInternalRiskGradingOfCommercialAndCommercialRealEstateLoansEvaluatedForImpairment" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="ThresholdForCommercialAndCommercialRealEstateLoansEvaluatedForImpairment" id="mcbc_ThresholdForCommercialAndCommercialRealEstateLoansEvaluatedForImpairment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="DocumentAndEntityInformationAbstract" id="mcbc_DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="LossContingencyDamagesSoughtDamagePeriod" id="mcbc_LossContingencyDamagesSoughtDamagePeriod" type="invest:dateStringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="EmploymentAgreementLitigationBenjSmithIiiMember" id="mcbc_EmploymentAgreementLitigationBenjSmithIiiMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
</xs:schema>


