<!-- Generated by iC(tm) - CompSci Interactive Converter - http://www.compsciresources.com -->     
<!-- Created: Wed Nov 14 15:46:28 UTC 2012 -->  
<xs:schema xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:num="http://www.xbrl.org/dtr/type/numeric" targetNamespace="http://westernreservebank.com/20120930" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:wrbo="http://westernreservebank.com/20120930" 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="wrbo-20120930_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="wrbo-20120930_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="wrbo-20120930_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="wrbo-20120930_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://westernreservebank.com/role/ConsolidatedBalanceSheet" id="wrbo_ConsolidatedBalanceSheet">  
        <link:definition>001 - Statement - Consolidated Balance Sheets (Unaudited)</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://westernreservebank.com/role/ConsolidatedBalanceSheet_Parentheticals" id="wrbo_ConsolidatedBalanceSheet_Parentheticals">  
        <link:definition>002 - Statement - Consolidated Balance Sheets (Unaudited) (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://westernreservebank.com/role/ConsolidatedIncomeStatement" id="wrbo_ConsolidatedIncomeStatement">   
        <link:definition>003 - Statement - Consolidated Statements of Comprehensive Income (Unaudited)</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://westernreservebank.com/role/ConsolidatedCashFlow" id="wrbo_ConsolidatedCashFlow">    
        <link:definition>004 - Statement - Consolidated Statements of Cash Flows (Unaudited)</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://westernreservebank.com/role/Note" id="wrbo_Note">  
        <link:definition>005 - Disclosure - Note 1 - Organization and Summary of Significant Accounting Policies</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://westernreservebank.com/role/Note0" id="wrbo_Note0">    
        <link:definition>006 - Disclosure - Note 2 - Securities</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://westernreservebank.com/role/Note00" id="wrbo_Note00"> 
        <link:definition>007 - Disclosure - Note 3 - 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://westernreservebank.com/role/Note000" id="wrbo_Note000">   
        <link:definition>008 - Disclosure - Note 4 - Deposits</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://westernreservebank.com/role/Note0000" id="wrbo_Note0000">     
        <link:definition>009 - Disclosure - Note 5 - Federal Home Loan Bank Advances and Other Borrowings</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://westernreservebank.com/role/Note00000" id="wrbo_Note00000">  
        <link:definition>010 - Disclosure - Note 6 - Stock Based Compensation Plan</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://westernreservebank.com/role/Note000000" id="wrbo_Note000000">    
        <link:definition>011 - Disclosure - Note 7 - 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://westernreservebank.com/role/Note0000000" id="wrbo_Note0000000"> 
        <link:definition>012 - Disclosure - Note 8 - Regulatory Capital Matters</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://westernreservebank.com/role/Note00000000" id="wrbo_Note00000000">   
        <link:definition>013 - Disclosure - Note 9 - Business Combination</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://westernreservebank.com/role/AccountingPoliciesByPolicy" id="wrbo_AccountingPoliciesByPolicy"> 
        <link:definition>014 - Disclosure - Accounting Policies, by Policy (Policies)</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://westernreservebank.com/role/NoteTables" id="wrbo_NoteTables">    
        <link:definition>015 - Disclosure - Note 1 - Organization and Summary of Significant Accounting Policies (Tables)</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://westernreservebank.com/role/NoteTables0" id="wrbo_NoteTables0"> 
        <link:definition>016 - Disclosure - Note 2 - Securities (Tables)</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://westernreservebank.com/role/NoteTables00" id="wrbo_NoteTables00">   
        <link:definition>017 - Disclosure - Note 3 - Loans (Tables)</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://westernreservebank.com/role/NoteTables000" id="wrbo_NoteTables000">     
        <link:definition>018 - Disclosure - Note 4 - Deposits (Tables)</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://westernreservebank.com/role/NoteTables0000" id="wrbo_NoteTables0000">  
        <link:definition>019 - Disclosure - Note 6 - Stock Based Compensation Plan (Tables)</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://westernreservebank.com/role/NoteTables00000" id="wrbo_NoteTables00000">    
        <link:definition>020 - Disclosure - Note 7 - Fair Value (Tables)</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://westernreservebank.com/role/NoteTables000000" id="wrbo_NoteTables000000"> 
        <link:definition>021 - Disclosure - Note 8 - Regulatory Capital Matters (Tables)</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://westernreservebank.com/role/NoteDetail" id="wrbo_NoteDetail">    
        <link:definition>022 - Disclosure - Note 1 - Organization and Summary of Significant Accounting Policies (Detail)</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://westernreservebank.com/role/EarningsperCommonShareTable" id="wrbo_EarningsperCommonShareTable">   
        <link:definition>023 - Disclosure - Note 1 - Organization and Summary of Significant Accounting Policies (Detail) - Earnings per Common Share</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://westernreservebank.com/role/NoteDetail0" id="wrbo_NoteDetail0"> 
        <link:definition>024 - Disclosure - Note 2 - Securities (Detail)</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://westernreservebank.com/role/AmortizedCostFairValueandUnrealizedGainsandLossesofAvailableforSaleSecuritiesTable" id="wrbo_AmortizedCostFairValueandUnrealizedGainsandLossesofAvailableforSaleSecuritiesTable">   
        <link:definition>025 - Disclosure - Note 2 - Securities (Detail) - Amortized Cost, Fair Value and Unrealized Gains and Losses of Available for Sale Securities</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://westernreservebank.com/role/SalesandCallsofSecuritiesTable" id="wrbo_SalesandCallsofSecuritiesTable">    
        <link:definition>026 - Disclosure - Note 2 - Securities (Detail) - Sales and Calls of Securities</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://westernreservebank.com/role/AmortizedCostandFairValuebyMaturityTable" id="wrbo_AmortizedCostandFairValuebyMaturityTable">    
        <link:definition>027 - Disclosure - Note 2 - Securities (Detail) - Amortized Cost and Fair Value by Maturity</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://westernreservebank.com/role/UnrealizedLossesTable" id="wrbo_UnrealizedLossesTable"> 
        <link:definition>028 - Disclosure - Note 2 - Securities (Detail) - Unrealized 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://westernreservebank.com/role/NoteDetail00" id="wrbo_NoteDetail00">   
        <link:definition>029 - Disclosure - Note 3 - Loans (Detail)</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://westernreservebank.com/role/LoanPortfolioTable" id="wrbo_LoanPortfolioTable">     
        <link:definition>030 - Disclosure - Note 3 - Loans (Detail) - Loan Portfolio</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://westernreservebank.com/role/AllowanceforLoansLossesActivityTable" id="wrbo_AllowanceforLoansLossesActivityTable"> 
        <link:definition>031 - Disclosure - Note 3 - Loans (Detail) - Allowance for Loans Losses Activity</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://westernreservebank.com/role/AllowanceforLoanLossesBalanceTable" id="wrbo_AllowanceforLoanLossesBalanceTable">  
        <link:definition>032 - Disclosure - Note 3 - Loans (Detail) - Allowance for Loan Losses Balance</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://westernreservebank.com/role/LoansIndividuallyEvaluatedforImpairmentTable" id="wrbo_LoansIndividuallyEvaluatedforImpairmentTable">  
        <link:definition>033 - Disclosure - Note 3 - Loans (Detail) - Loans Individually Evaluated for Impairment</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://westernreservebank.com/role/AverageRecordedInvestmentforLoansIndividuallyEvaluatedforImpairedTable" id="wrbo_AverageRecordedInvestmentforLoansIndividuallyEvaluatedforImpairedTable">    
        <link:definition>034 - Disclosure - Note 3 - Loans (Detail) - Average Recorded Investment for Loans Individually Evaluated for Impaired</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://westernreservebank.com/role/NonaccrualLoansandLoansPastDueOver90DaysTable" id="wrbo_NonaccrualLoansandLoansPastDueOver90DaysTable">    
        <link:definition>035 - Disclosure - Note 3 - Loans (Detail) - Nonaccrual Loans and Loans Past Due Over 90 Days</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://westernreservebank.com/role/AgingofPastDueLoansbyClassTable" id="wrbo_AgingofPastDueLoansbyClassTable"> 
        <link:definition>036 - Disclosure - Note 3 - Loans (Detail) - Aging of Past Due Loans by Class</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://westernreservebank.com/role/TroubledDebtRestructuringsTable" id="wrbo_TroubledDebtRestructuringsTable"> 
        <link:definition>037 - Disclosure - Note 3 - Loans (Detail) - Troubled Debt Restructurings</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://westernreservebank.com/role/CreditRiskbyClassTable" id="wrbo_CreditRiskbyClassTable">   
        <link:definition>038 - Disclosure - Note 3 - Loans (Detail) - Credit Risk by Class</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://westernreservebank.com/role/ResidentialandConsumerLoansTable" id="wrbo_ResidentialandConsumerLoansTable">   
        <link:definition>039 - Disclosure - Note 3 - Loans (Detail) - Residential and Consumer 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://westernreservebank.com/role/NoteDetail000" id="wrbo_NoteDetail000">     
        <link:definition>040 - Disclosure - Note 4 - Deposits (Detail)</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://westernreservebank.com/role/InterestBearingDepositsTable" id="wrbo_InterestBearingDepositsTable">     
        <link:definition>041 - Disclosure - Note 4 - Deposits (Detail) - Interest-Bearing Deposits</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://westernreservebank.com/role/NoteDetail0000" id="wrbo_NoteDetail0000">  
        <link:definition>042 - Disclosure - Note 5 - Federal Home Loan Bank Advances and Other Borrowings (Detail)</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://westernreservebank.com/role/NoteDetail00000" id="wrbo_NoteDetail00000">    
        <link:definition>043 - Disclosure - Note 6 - Stock Based Compensation Plan (Detail)</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://westernreservebank.com/role/StockOptionActivityTable" id="wrbo_StockOptionActivityTable">  
        <link:definition>044 - Disclosure - Note 6 - Stock Based Compensation Plan (Detail) - Stock Option Activity</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://westernreservebank.com/role/NoteDetail000000" id="wrbo_NoteDetail000000"> 
        <link:definition>045 - Disclosure - Note 7 - Fair Value (Detail)</link:definition> 
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
<!-- [WMV3][XcpuxYn59dz7vgYynUDuwG7r97K2jUTysl7vcz0lJt8UCLPdYZl35nXbOCDIyGTqdoHZFSc5HNtGvzFrd1K3Ycyoxggaiqd1rhwqD2HnsFpNSimDwc3YSyALJhoefTNuTe3/fV8mNuo+SidyUNXEl2lxH1kskxzLbvlX9wOSwsWVtvx3/M2CgS6SW+63loka803LJ5sFlkWl3h3Jghkw0qgaszDX9UwDQsfPqpZs78+7363s48nu075RmbXjX0TB] CSR-->  
      <link:roleType roleURI="http://westernreservebank.com/role/FairValueMeasurementsRecurringBasisTable" id="wrbo_FairValueMeasurementsRecurringBasisTable">    
        <link:definition>046 - Disclosure - Note 7 - Fair Value (Detail) - Fair Value Measurements, Recurring Basis</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://westernreservebank.com/role/FairValueMeasurementsNonrecurringBasisTable" id="wrbo_FairValueMeasurementsNonrecurringBasisTable">     
        <link:definition>047 - Disclosure - Note 7 - Fair Value (Detail) - Fair Value Measurements, Nonrecurring Basis</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://westernreservebank.com/role/Level3FairValueMeasurementsTable" id="wrbo_Level3FairValueMeasurementsTable">   
        <link:definition>048 - Disclosure - Note 7 - Fair Value (Detail) - Level 3 Fair Value Measurements</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://westernreservebank.com/role/CarryingAmountsandFairValueMeasurementsofFinancialInstrumentsatSeptember302012Table" id="wrbo_CarryingAmountsandFairValueMeasurementsofFinancialInstrumentsatSeptember302012Table">     
        <link:definition>049 - Disclosure - Note 7 - Fair Value (Detail) - Carrying Amounts and Fair Value Measurements of Financial Instruments at September 30, 2012</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://westernreservebank.com/role/CarryingAmountsandFairValueMeasurementsofFinancialInstrumentsatDecember312011Table" id="wrbo_CarryingAmountsandFairValueMeasurementsofFinancialInstrumentsatDecember312011Table">   
        <link:definition>050 - Disclosure - Note 7 - Fair Value (Detail) - Carrying Amounts and Fair Value Measurements of Financial Instruments at December 31, 2011</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://westernreservebank.com/role/RegulatoryCapitalRequirementsTable" id="wrbo_RegulatoryCapitalRequirementsTable">  
        <link:definition>051 - Disclosure - Note 8 - Regulatory Capital Matters (Detail) - Regulatory Capital Requirements</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://westernreservebank.com/role/NoteDetail0000000" id="wrbo_NoteDetail0000000">   
        <link:definition>052 - Disclosure - Note 9 - Business Combination (Detail)</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://westernreservebank.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="ConsolidatedBalanceSheetsUnauditedAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ConsolidatedBalanceSheetsUnauditedAbstract"/>   
  <xs:element name="CommonStockDomain" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_CommonStockDomain"/>     
  <xs:element name="TotalRestrictedStock" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="wrbo_TotalRestrictedStock"/>   
  <xs:element name="PrepaidFDICInsurance" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="wrbo_PrepaidFDICInsurance"/>   
  <xs:element name="LiabilitiesAndShareholdersEquityAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_LiabilitiesAndShareholdersEquityAbstract"/>    
  <xs:element name="ShareholdersEquityAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ShareholdersEquityAbstract"/> 
  <xs:element name="ConsolidatedStatementsOfComprehensiveIncomeUnauditedAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ConsolidatedStatementsOfComprehensiveIncomeUnauditedAbstract"/>    
  <xs:element name="InterestAndDividendIncomeAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_InterestAndDividendIncomeAbstract"/>     
  <xs:element name="SecuritiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_SecuritiesAbstract"/>     
  <xs:element name="EarningsPerCommonShareAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_EarningsPerCommonShareAbstract"/>    
  <xs:element name="ConsolidatedStatementsOfCashFlowsUnauditedAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ConsolidatedStatementsOfCashFlowsUnauditedAbstract"/>    
  <xs:element name="CashFlowsFromOperatingActivitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_CashFlowsFromOperatingActivitiesAbstract"/>    
  <xs:element name="AdjustmentsToReconcileNetIncomeToNetCashFromOperatingActivitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_AdjustmentsToReconcileNetIncomeToNetCashFromOperatingActivitiesAbstract"/> 
  <xs:element name="CashFlowsFromInvestingActivitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_CashFlowsFromInvestingActivitiesAbstract"/>    
  <xs:element name="CashFlowsFromFinancingActivitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_CashFlowsFromFinancingActivitiesAbstract"/>    
  <xs:element name="SupplementalDisclosureOfNoncashInvestingActivitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_SupplementalDisclosureOfNoncashInvestingActivitiesAbstract"/>     
  <xs:element name="SignificantAccountingPoliciesTextBlockAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_SignificantAccountingPoliciesTextBlockAbstract"/> 
  <xs:element name="InvestmentHoldingsTextBlockAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_InvestmentHoldingsTextBlockAbstract"/>    
  <xs:element name="LoansNotesTradeAndOtherReceivablesDisclosureTextBlockAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_LoansNotesTradeAndOtherReceivablesDisclosureTextBlockAbstract"/> 
  <xs:element name="DepositLiabilitiesDisclosuresTextBlockAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_DepositLiabilitiesDisclosuresTextBlockAbstract"/> 
  <xs:element name="DebtDisclosureTextBlockAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_DebtDisclosureTextBlockAbstract"/> 
  <xs:element name="DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlockAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlockAbstract"/> 
  <xs:element name="FairValueMeasurementInputsDisclosureTextBlockAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_FairValueMeasurementInputsDisclosureTextBlockAbstract"/>     
  <xs:element name="RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlockAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlockAbstract"/>  
  <xs:element name="BusinessCombinationDisclosureTextBlockAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_BusinessCombinationDisclosureTextBlockAbstract"/> 
  <xs:element name="SignificantAccountingPoliciesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_SignificantAccountingPoliciesAbstract"/>   
  <xs:element name="AvailableforSaleSecuritiesDomain" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_AvailableforSaleSecuritiesDomain"/>     
  <xs:element name="ScheduleofDepositsTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ScheduleofDepositsTableTextBlock"/>   
  <xs:element name="EarningsPerCommonShareAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_EarningsPerCommonShareAbstract0"/> 
  <xs:element name="NumeratorAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_NumeratorAbstract"/>   
  <xs:element name="DenominatorAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_DenominatorAbstract"/>  
  <xs:element name="EffectOfDilutiveSharesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_EffectOfDilutiveSharesAbstract"/>    
  <xs:element name="AmortizedCostFairValueAndUnrealizedGainsAndLossesOfAvailableForSaleSecuritiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_AmortizedCostFairValueAndUnrealizedGainsAndLossesOfAvailableForSaleSecuritiesAbstract"/>    
  <xs:element name="AvailableForSaleSecuritiesDomain" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_AvailableForSaleSecuritiesDomain"/>     
  <xs:element name="MortgageBackedResidentialAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_MortgageBackedResidentialAbstract"/>     
  <xs:element name="MortgageBackedResidentialAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_MortgageBackedResidentialAbstract0"/>  
  <xs:element name="SalesAndCallsOfSecuritiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_SalesAndCallsOfSecuritiesAbstract"/>     
  <xs:element name="NatureOfProceedsDomain" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_NatureOfProceedsDomain"/>     
  <xs:element name="AmortizedCostAndFairValueByMaturityAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_AmortizedCostAndFairValueByMaturityAbstract"/>     
  <xs:element name="UnrealizedLossesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_UnrealizedLossesAbstract"/>  
  <xs:element name="MortgageBackedResidentialAbstract00" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_MortgageBackedResidentialAbstract00"/>    
  <xs:element name="LoanPortfolioAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_LoanPortfolioAbstract"/> 
  <xs:element name="AllowanceforLoanLossesandRecordedInvestmentDomain" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_AllowanceforLoanLossesandRecordedInvestmentDomain"/>    
  <xs:element name="ResidentialMortgageDomain" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ResidentialMortgageDomain"/> 
  <xs:element name="ConsumerDomain" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ConsumerDomain"/>    
  <xs:element name="ResidentialMortgagesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ResidentialMortgagesAbstract"/>     
  <xs:element name="AllowanceForLoansLossesActivityAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_AllowanceForLoansLossesActivityAbstract"/>  
  <xs:element name="AllowanceForLoanLossesBalanceAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_AllowanceForLoanLossesBalanceAbstract"/>   
  <xs:element name="AllowanceForLoanLossesAndRecordedInvestmentDomain" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_AllowanceForLoanLossesAndRecordedInvestmentDomain"/>    
  <xs:element name="AllowanceForLoanLossesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_AllowanceForLoanLossesAbstract"/>    
  <xs:element name="EndingAllowanceBalanceAttributableToLoansAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_EndingAllowanceBalanceAttributableToLoansAbstract"/>  
  <xs:element name="LoansAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_LoansAbstract"/>     
  <xs:element name="AllowanceForLoanLossesAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_AllowanceForLoanLossesAbstract0"/> 
  <xs:element name="EndingAllowanceBalanceAttributableToLoansAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_EndingAllowanceBalanceAttributableToLoansAbstract0"/>    
  <xs:element name="LoansIndividuallyEvaluatedForImpairmentAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_LoansIndividuallyEvaluatedForImpairmentAbstract"/>   
  <xs:element name="WithNoRelatedAllowanceRecordedAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_WithNoRelatedAllowanceRecordedAbstract"/>     
  <xs:element name="ResidentialMortgageAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ResidentialMortgageAbstract"/>   
  <xs:element name="ConsumerAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ConsumerAbstract"/> 
  <xs:element name="WithAnAllowanceRecordedAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_WithAnAllowanceRecordedAbstract"/> 
  <xs:element name="ResidentialMortgageAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ResidentialMortgageAbstract0"/>     
  <xs:element name="ConsumerAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ConsumerAbstract0"/>   
  <xs:element name="WithNoRelatedAllowanceRecordedAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_WithNoRelatedAllowanceRecordedAbstract0"/>  
  <xs:element name="ResidentialMortgageAbstract00" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ResidentialMortgageAbstract00"/>  
  <xs:element name="ConsumerAbstract00" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ConsumerAbstract00"/>     
  <xs:element name="WithAnAllowanceRecordedAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_WithAnAllowanceRecordedAbstract0"/>   
  <xs:element name="ResidentialMortgageAbstract000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ResidentialMortgageAbstract000"/>    
  <xs:element name="ConsumerAbstract000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ConsumerAbstract000"/>  
  <xs:element name="AverageRecordedInvestmentForLoansIndividuallyEvaluatedForImpairedAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_AverageRecordedInvestmentForLoansIndividuallyEvaluatedForImpairedAbstract"/>     
  <xs:element name="WithNoRelatedAllowanceRecordedAbstract00" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_WithNoRelatedAllowanceRecordedAbstract00"/>    
  <xs:element name="ResidentialMortgageAbstract0000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ResidentialMortgageAbstract0000"/> 
  <xs:element name="ConsumerAbstract0000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ConsumerAbstract0000"/>    
  <xs:element name="WithAnAllowanceRecordedAbstract00" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_WithAnAllowanceRecordedAbstract00"/>     
  <xs:element name="ResidentialMortgageAbstract00000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ResidentialMortgageAbstract00000"/>   
  <xs:element name="ConsumerAbstract00000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ConsumerAbstract00000"/> 
  <xs:element name="NonaccrualLoansAndLoansPastDueOver90DaysAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_NonaccrualLoansAndLoansPastDueOver90DaysAbstract"/>     
  <xs:element name="ResidentialMortgageAbstract000000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ResidentialMortgageAbstract000000"/>     
  <xs:element name="ConsumerAbstract000000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ConsumerAbstract000000"/>   
  <xs:element name="AgingOfPastDueLoansByClassAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_AgingOfPastDueLoansByClassAbstract"/>  
  <xs:element name="ResidentialMortgageAbstract0000000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ResidentialMortgageAbstract0000000"/>  
  <xs:element name="ConsumerAbstract0000000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ConsumerAbstract0000000"/>     
  <xs:element name="ResidentialMortgageAbstract00000000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ResidentialMortgageAbstract00000000"/>    
  <xs:element name="ConsumerAbstract00000000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ConsumerAbstract00000000"/>  
  <xs:element name="TroubledDebtRestructuringsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_TroubledDebtRestructuringsAbstract"/>  
  <xs:element name="CreationDateDomain" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_CreationDateDomain"/>  
  <xs:element name="TroubledDebtRestructuringsAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_TroubledDebtRestructuringsAbstract0"/>    
  <xs:element name="CreditRiskByClassAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_CreditRiskByClassAbstract"/>    
  <xs:element name="ResidentialMortgageAbstract000000000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ResidentialMortgageAbstract000000000"/> 
  <xs:element name="ResidentialAndConsumerLoansAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ResidentialAndConsumerLoansAbstract"/>    
  <xs:element name="InterestBearingDepositsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_InterestBearingDepositsAbstract"/> 
  <xs:element name="StockOptionActivityAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_StockOptionActivityAbstract"/>   
  <xs:element name="FairValueMeasurementsRecurringBasisAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_FairValueMeasurementsRecurringBasisAbstract"/>     
  <xs:element name="InvestmentType_Domain" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_InvestmentType_Domain"/>   
  <xs:element name="FinancialAssetsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_FinancialAssetsAbstract"/>     
  <xs:element name="InvestmentSecuritiesAvailableForSaleAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_InvestmentSecuritiesAvailableForSaleAbstract"/>  
  <xs:element name="MortgageBackedResidentialAbstract000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_MortgageBackedResidentialAbstract000"/> 
  <xs:element name="FinancialAssetsAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_FinancialAssetsAbstract0"/>  
  <xs:element name="InvestmentSecuritiesAvailableForSaleAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_InvestmentSecuritiesAvailableForSaleAbstract0"/>    
  <xs:element name="MortgageBackedResidentialAbstract0000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_MortgageBackedResidentialAbstract0000"/>   
  <xs:element name="FairValueMeasurementsNonrecurringBasisAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_FairValueMeasurementsNonrecurringBasisAbstract"/> 
  <xs:element name="ImpairedLoansAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ImpairedLoansAbstract"/> 
  <xs:element name="OtherRealEstateOwnedNetAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_OtherRealEstateOwnedNetAbstract"/> 
  <xs:element name="ImpairedLoansAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ImpairedLoansAbstract0"/>   
  <xs:element name="OtherRealEstateOwnedNetAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_OtherRealEstateOwnedNetAbstract0"/>   
  <xs:element name="Level3FairValueMeasurementsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_Level3FairValueMeasurementsAbstract"/>    
  <xs:element name="InformationByFinancingReceivablePortfolioSegmentDomain" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_InformationByFinancingReceivablePortfolioSegmentDomain"/>    
  <xs:element name="ImpairedLoansAbstract00" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ImpairedLoansAbstract00"/>     
  <xs:element name="CarryingAmountsAndFairValueMeasurementsOfFinancialInstrumentsAtSeptember302012Abstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_CarryingAmountsAndFairValueMeasurementsOfFinancialInstrumentsAtSeptember302012Abstract"/> 
  <xs:element name="FinancialAssetsAbstract00" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_FinancialAssetsAbstract00"/>    
  <xs:element name="TotalRestrictedStockFairValueEstimateNotPracticable" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="wrbo_TotalRestrictedStockFairValueEstimateNotPracticable"/>     
  <xs:element name="AccruedInterestReceivableFairValueDisclosure" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="wrbo_AccruedInterestReceivableFairValueDisclosure"/>  
  <xs:element name="FinancialLiabilitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_FinancialLiabilitiesAbstract"/>     
  <xs:element name="AccruedInterestPayableFairValueDisclosure" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="wrbo_AccruedInterestPayableFairValueDisclosure"/>  
  <xs:element name="CarryingAmountsAndFairValueMeasurementsOfFinancialInstrumentsAtDecember312011Abstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_CarryingAmountsAndFairValueMeasurementsOfFinancialInstrumentsAtDecember312011Abstract"/>    
  <xs:element name="CashAndCashEquivalents_Domain" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_CashAndCashEquivalents_Domain"/>    
  <xs:element name="FinancialAssetsAbstract000" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_FinancialAssetsAbstract000"/> 
  <xs:element name="FairValueEstimateNotPracticableInvestmentinFederalReserveBankStock" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="wrbo_FairValueEstimateNotPracticableInvestmentinFederalReserveBankStock"/>     
  <xs:element name="FinancialLiabilitiesAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_FinancialLiabilitiesAbstract0"/>  
  <xs:element name="RegulatoryCapitalRequirementsDomain" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_RegulatoryCapitalRequirementsDomain"/> 
  <xs:element name="December312011Abstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_December312011Abstract"/>   
  <xs:element name="RangeDomain" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_RangeDomain"/>   
  <xs:element name="ImpairedFinancingReceivableUnpaidPrincipalBalanceChargedOffNotForgiven" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ImpairedFinancingReceivableUnpaidPrincipalBalanceChargedOffNotForgiven"/>    
  <xs:element name="FinancingReceivableModificationsRecordedInvestmentNonaccrualofInterestCurrent" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="wrbo_FinancingReceivableModificationsRecordedInvestmentNonaccrualofInterestCurrent"/>  
  <xs:element name="FinancingReceivableModificationsRecordedInvestmentNonaccrualofInterest" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="wrbo_FinancingReceivableModificationsRecordedInvestmentNonaccrualofInterest"/>   
  <xs:element name="FinancingReceivableRecordedInvestmentNonaccrualofInterestCurrent" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="wrbo_FinancingReceivableRecordedInvestmentNonaccrualofInterestCurrent"/> 
  <xs:element name="FinancingReceivableModificationsRelatedAllowance" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="wrbo_FinancingReceivableModificationsRelatedAllowance"/>     
  <xs:element name="FinancingReceivableModificationsModifiedTerms5YearsInterestOnlyFiveYears" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_FinancingReceivableModificationsModifiedTerms5YearsInterestOnlyFiveYears"/>    
  <xs:element name="TimeDepositsDomain" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_TimeDepositsDomain"/>  
  <xs:element name="OtherRealEstateOwnedDomain" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_OtherRealEstateOwnedDomain"/>   
  <xs:element name="ImpairedFinancingReceivableRecordedInvestmentWithSpecificAllowanceorPartialChargeDown" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ImpairedFinancingReceivableRecordedInvestmentWithSpecificAllowanceorPartialChargeDown"/>   
  <xs:element name="ImpairedFinancingReceivableWithSpecificAllowanceorPartialChargeDownValuationAllowanceComponent" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ImpairedFinancingReceivableWithSpecificAllowanceorPartialChargeDownValuationAllowanceComponent"/>  
  <xs:element name="FinancingReceivableModificationsTroubledDebtRestructuringRecordedInvestmentAccruingPresentValueCashFlow" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="wrbo_FinancingReceivableModificationsTroubledDebtRestructuringRecordedInvestmentAccruingPresentValueCashFlow"/>    
  <xs:element name="ImpairedFinancingReceivableRecordedInvestmentPartialChargeDown" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ImpairedFinancingReceivableRecordedInvestmentPartialChargeDown"/>  
  <xs:element name="ProvisionforLoanandLeaseLossesAttributedtoImpairedFinancingReceivable" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ProvisionforLoanandLeaseLossesAttributedtoImpairedFinancingReceivable"/>  
  <xs:element name="AvailableforSaleSecuritiesAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="wrbo_AvailableforSaleSecuritiesAxis"/>    
  <xs:element name="CommonStockAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="wrbo_CommonStockAxis"/>    
  <xs:element name="RegulatoryCapitalRequirementsAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="wrbo_RegulatoryCapitalRequirementsAxis"/>     
  <xs:element name="AllowanceforLoanLossesandRecordedInvestmentAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="wrbo_AllowanceforLoanLossesandRecordedInvestmentAxis"/>   
  <xs:element name="ResidentialMortgageAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="wrbo_ResidentialMortgageAxis"/>     
  <xs:element name="ConsumerAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="wrbo_ConsumerAxis"/>   
  <xs:element name="NatureOfProceedsAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="wrbo_NatureOfProceedsAxis"/>    
  <xs:element name="AllowanceForLoanLossesAndRecordedInvestmentAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="wrbo_AllowanceForLoanLossesAndRecordedInvestmentAxis"/>   
  <xs:element name="OtherRealEstateOwnedAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="wrbo_OtherRealEstateOwnedAxis"/>  
  <xs:element name="InformationByFinancingReceivablePortfolioSegmentAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="wrbo_InformationByFinancingReceivablePortfolioSegmentAxis"/>   
  <xs:element name="TimeDepositsAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="wrbo_TimeDepositsAxis"/> 
  <xs:element name="AvailableForSaleSecuritiesAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="wrbo_AvailableForSaleSecuritiesAxis"/>    
  <xs:element name="GuaranteedbyGNMAMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_GuaranteedbyGNMAMember"/>     
  <xs:element name="EstimatedFairValueMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_EstimatedFairValueMember"/>    
  <xs:element name="CommittmenttoLendTermsMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_CommittmenttoLendTermsMember"/>  
  <xs:element name="AllowanceActivityMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_AllowanceActivityMember"/>  
  <xs:element name="PerformingMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_PerformingMember"/>   
  <xs:element name="ParValueperShareMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ParValueperShareMember"/>     
  <xs:element name="MinimumCapitalAdequacyAmountMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_MinimumCapitalAdequacyAmountMember"/>    
  <xs:element name="SeriesBPreferredStockStatedValueMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_SeriesBPreferredStockStatedValueMember"/>  
  <xs:element name="FHLBMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_FHLBMember"/> 
  <xs:element name="CarryingAmountMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_CarryingAmountMember"/> 
  <xs:element name="AllowanceTotalMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_AllowanceTotalMember"/> 
  <xs:element name="CreditRiskbyClassMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_CreditRiskbyClassMember"/>  
  <xs:element name="ConsumerPurchasedAutoLoansAllowanceMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ConsumerPurchasedAutoLoansAllowanceMember"/>   
  <xs:element name="TaxableMunicipalMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_TaxableMunicipalMember"/>     
  <xs:element name="MinimumWellCapitalizedRatioMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_MinimumWellCapitalizedRatioMember"/>  
  <xs:element name="ConsumerInstallmentMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ConsumerInstallmentMember"/> 
  <xs:element name="Residential1-4FamilyMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_Residential1-4FamilyMember"/>   
  <xs:element name="ShortTermUnsecuredMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ShortTermUnsecuredMember"/>    
  <xs:element name="NationalMarketCDMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_NationalMarketCDMember"/>     
  <xs:element name="CommercialBusinessMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_CommercialBusinessMember"/>    
  <xs:element name="FairValueSeptember30Member" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_FairValueSeptember30Member"/>   
  <xs:element name="MinimumWellCapitalizedAmountMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_MinimumWellCapitalizedAmountMember"/>    
  <xs:element name="SixMonthsMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_SixMonthsMember"/> 
  <xs:element name="MinimumCapitalAdequacyRatioMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_MinimumCapitalAdequacyRatioMember"/>  
  <xs:element name="AmortizedCostMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_AmortizedCostMember"/>    
  <xs:element name="AllowanceBalanceMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_AllowanceBalanceMember"/>     
  <xs:element name="AvailableForSaleSecuritiesMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_AvailableForSaleSecuritiesMember"/>     
  <xs:element name="TotalCapitaltoRiskWeightedAssetsMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_TotalCapitaltoRiskWeightedAssetsMember"/>  
  <xs:element name="AllowanceUnallocatedMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_AllowanceUnallocatedMember"/>   
  <xs:element name="AllowanceCommercialBusinessMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_AllowanceCommercialBusinessMember"/>  
  <xs:element name="ImpairedLoansMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ImpairedLoansMember"/>    
  <xs:element name="CompanyAmountMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_CompanyAmountMember"/>    
  <xs:element name="PastDueAgingMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_PastDueAgingMember"/>  
  <xs:element name="ConsumerInstallmentAllowanceMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ConsumerInstallmentAllowanceMember"/>    
  <xs:element name="FamilyResidential1-4FamilyMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_FamilyResidential1-4FamilyMember"/>     
  <xs:element name="AllowanceConsumerMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_AllowanceConsumerMember"/>  
  <xs:element name="CommercialRealEstateFairValueMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_CommercialRealEstateFairValueMember"/> 
  <xs:element name="StatedValueperShareMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_StatedValueperShareMember"/> 
  <xs:element name="FHLBStockMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_FHLBStockMember"/> 
  <xs:element name="CDARSReciprocalDepositsMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_CDARSReciprocalDepositsMember"/>    
  <xs:element name="ConsumerInstallmentReceivableMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ConsumerInstallmentReceivableMember"/> 
  <xs:element name="ValuationAllowanceMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ValuationAllowanceMember"/>    
  <xs:element name="CapitalPurchaseProgramMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_CapitalPurchaseProgramMember"/>  
  <xs:element name="ConsumerPurchasedAutoLoansNoAllowanceMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ConsumerPurchasedAutoLoansNoAllowanceMember"/>  
  <xs:element name="ConsumerPurchasedAutoLoansMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ConsumerPurchasedAutoLoansMember"/>     
  <xs:element name="CommercialRealEstateNoAllowanceMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_CommercialRealEstateNoAllowanceMember"/>     
  <xs:element name="AverageRecordedInvestmentMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_AverageRecordedInvestmentMember"/>   
  <xs:element name="CommercialBusinessNoAllowanceMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_CommercialBusinessNoAllowanceMember"/> 
  <xs:element name="ThreeMonthsMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ThreeMonthsMember"/>     
  <xs:element name="IssuedbyFNMAMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_IssuedbyFNMAMember"/>  
  <xs:element name="USTreasuryandFederalAgencyMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_USTreasuryandFederalAgencyMember"/>     
  <xs:element name="CommercialBusinessOtherMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_CommercialBusinessOtherMember"/>    
  <xs:element name="AllowanceResidentialMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_AllowanceResidentialMember"/>   
  <xs:element name="ProceedsOfCallsMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ProceedsOfCallsMember"/>   
  <xs:element name="Tax-FreeMunicipalMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_Tax-FreeMunicipalMember"/>  
  <xs:element name="NotRatedMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_NotRatedMember"/>    
  <xs:element name="CommercialRealEstateAllowanceMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_CommercialRealEstateAllowanceMember"/> 
  <xs:element name="Tier1CapitaltoRiskAverageAssetsMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_Tier1CapitaltoRiskAverageAssetsMember"/>     
  <xs:element name="ProceedsOfSalesMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ProceedsOfSalesMember"/>   
  <xs:element name="CommercialRealEstateOtherMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_CommercialRealEstateOtherMember"/>   
  <xs:element name="AllowanceCommercialRealEstateMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_AllowanceCommercialRealEstateMember"/> 
  <xs:element name="HomeEquityLineofCreditMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_HomeEquityLineofCreditMember"/>  
  <xs:element name="FairValueMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_FairValueMember"/> 
  <xs:element name="RealEstateSecuredLoansMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_RealEstateSecuredLoansMember"/>  
  <xs:element name="TotalMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_TotalMember"/>   
  <xs:element name="FamilyResidentialMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_FamilyResidentialMember"/>  
  <xs:element name="ConsumerInstallmentNoAllowanceMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ConsumerInstallmentNoAllowanceMember"/>   
  <xs:element name="HomeEquityLineofCreditAllowanceMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_HomeEquityLineofCreditAllowanceMember"/>     
  <xs:element name="IndividuallyEvaluatedMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_IndividuallyEvaluatedMember"/>     
  <xs:element name="ResidentialOtherMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_ResidentialOtherMember"/>     
  <xs:element name="UnrealizedLossesMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_UnrealizedLossesMember"/>     
  <xs:element name="IssuedbyFHLMCMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_IssuedbyFHLMCMember"/>    
  <xs:element name="TroubledDebtRestructuringsMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_TroubledDebtRestructuringsMember"/>     
  <xs:element name="NonperformingMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_NonperformingMember"/>    
  <xs:element name="LoanPortfolioAllowanceMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_LoanPortfolioAllowanceMember"/>  
  <xs:element name="TroubledDebtRestructuringPolicyMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_TroubledDebtRestructuringPolicyMember"/>     
  <xs:element name="CommercialBusinessAllowanceMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_CommercialBusinessAllowanceMember"/>  
  <xs:element name="Tier1CapitaltoRiskWeightedAssetsMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_Tier1CapitaltoRiskWeightedAssetsMember"/>  
  <xs:element name="CompanyRatioMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_CompanyRatioMember"/>  
  <xs:element name="NonaccrualLoansMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_NonaccrualLoansMember"/>   
  <xs:element name="HomeEquityLineofCreditNoAllowanceMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_HomeEquityLineofCreditNoAllowanceMember"/>    
  <xs:element name="FairValueDec31Member" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_FairValueDec31Member"/> 
  <xs:element name="TroubledDebtRestructuringFactorsMember" type="nonnum:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_TroubledDebtRestructuringFactorsMember"/>  
  <xs:element name="DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="wrbo_DocumentAndEntityInformationAbstract"/> 
</xs:schema>   
