<!-- Generated by iC(tm) - CompSci Interactive Converter - http://www.compsciresources.com -->     
<!-- Created: Fri Aug 12 13:39:42 UTC 2011 -->  
<xs:schema xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:num="http://www.xbrl.org/dtr/type/numeric" targetNamespace="http://www.firsttrinityfinancial.com/20110630" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:ftfc="http://www.firsttrinityfinancial.com/20110630" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:us-types="http://fasb.org/us-types/2011-01-31" 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="ftfc-20110630_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="ftfc-20110630_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="ftfc-20110630_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="ftfc-20110630_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://www.firsttrinityfinancial.com/role/ConsolidatedBalanceSheet" id="ftfc_ConsolidatedBalanceSheet">    
        <link:definition>001 - Statement - Consolidated Statements of Financial Position</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://www.firsttrinityfinancial.com/role/ConsolidatedBalanceSheet_Parentheticals" id="ftfc_ConsolidatedBalanceSheet_Parentheticals">    
        <link:definition>002 - Statement - Consolidated Statements of Financial Position (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://www.firsttrinityfinancial.com/role/ConsolidatedIncomeStatement" id="ftfc_ConsolidatedIncomeStatement">     
        <link:definition>003 - Statement - Consolidated Statements of Operations (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://www.firsttrinityfinancial.com/role/ShareholdersEquityType2or3" id="ftfc_ShareholdersEquityType2or3">   
        <link:definition>004 - Statement - Consolidated Statement of Changes in Shareholders Equity (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://www.firsttrinityfinancial.com/role/ConsolidatedCashFlow" id="ftfc_ConsolidatedCashFlow"> 
        <link:definition>005 - 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://www.firsttrinityfinancial.com/role/Note" id="ftfc_Note">    
        <link:definition>006 - Disclosure - Note 1 - Organization and 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://www.firsttrinityfinancial.com/role/Note0" id="ftfc_Note0"> 
        <link:definition>007 - Disclosure - Note 2 - Investments</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://www.firsttrinityfinancial.com/role/Note00" id="ftfc_Note00">   
        <link:definition>008 - Disclosure - Note 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://www.firsttrinityfinancial.com/role/Note000" id="ftfc_Note000">     
        <link:definition>009 - Disclosure - Note 4 - Segment Data</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://www.firsttrinityfinancial.com/role/Note0000" id="ftfc_Note0000">  
        <link:definition>010 - Disclosure - Note 5 - Allowance for Loss on Premium Finance Contracts</link:definition>    
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
<!-- [WMV3][XcpuxYn59dz7vgYynUDuwG7r97K2jUTysl7vcz0lJt8UCLPdYZl35nXbOCDIyGTqlDQK986TS2u5u7E63ZrN8YW5b4s3J56XsDCXpInpw9MIJyisBT3l2dFKC9fNnRhWO5h8nNr8MwythRjMgUcMeoNaYU2Cd6SPWK0mTJGX8x7Rhcc37PEf9BUkosnWP5ZoI5Gi9TQmO7TxLnvMR88QB852iiOTqkO5R5EifMWE2izoGxxL3BS5Lpdd/LCd1uKe9Q9px2/o/uk=] CSR-->    
      <link:roleType roleURI="http://www.firsttrinityfinancial.com/role/Note00000" id="ftfc_Note00000">    
        <link:definition>011 - Disclosure - Note 6 - Federal Income Taxes</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://www.firsttrinityfinancial.com/role/Note000000" id="ftfc_Note000000"> 
        <link:definition>012 - Disclosure - Note 7 - Comprehensive Income</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://www.firsttrinityfinancial.com/role/Note0000000" id="ftfc_Note0000000">   
        <link:definition>013 - Disclosure - Note 8 - Revolving Line of Credit</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://www.firsttrinityfinancial.com/role/Note00000000" id="ftfc_Note00000000">     
        <link:definition>014 - Disclosure - Note 9 - Contingent Liabilities</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://www.firsttrinityfinancial.com/role/Note000000000" id="ftfc_Note000000000">  
        <link:definition>015 - Disclosure - Note 10 - Subsequent Event</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://www.firsttrinityfinancial.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/2011-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2011/elts/us-types-2011-01-31.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="ConsolidatedStatementsOfFinancialPositionAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ftfc_ConsolidatedStatementsOfFinancialPositionAbstract"/>  
  <xs:element name="LiabilitiesAndShareholdersEquityAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ftfc_LiabilitiesAndShareholdersEquityAbstract"/>    
  <xs:element name="PolicyLiabilitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ftfc_PolicyLiabilitiesAbstract"/>    
  <xs:element name="ShareholdersEquityAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ftfc_ShareholdersEquityAbstract"/> 
  <xs:element name="ConsolidatedStatementsOfOperationsUnauditedAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ftfc_ConsolidatedStatementsOfOperationsUnauditedAbstract"/> 
  <xs:element name="BenefitsClaimsAndExpensesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ftfc_BenefitsClaimsAndExpensesAbstract"/>     
  <xs:element name="BenefitsAndClaimsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ftfc_BenefitsAndClaimsAbstract"/>    
  <xs:element name="ConsolidatedStatementOfChangesInShareholdersEquityUnauditedAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ftfc_ConsolidatedStatementOfChangesInShareholdersEquityUnauditedAbstract"/>   
  <xs:element name="ComprehensiveIncomeAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ftfc_ComprehensiveIncomeAbstract"/>   
  <xs:element name="ConsolidatedStatementsOfCashFlowsUnauditedAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ftfc_ConsolidatedStatementsOfCashFlowsUnauditedAbstract"/>    
  <xs:element name="OperatingActivitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ftfc_OperatingActivitiesAbstract"/>   
  <xs:element name="AdjustmentsToReconcileNetLossToNetCashProvidedByOperatingActivitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ftfc_AdjustmentsToReconcileNetLossToNetCashProvidedByOperatingActivitiesAbstract"/>    
  <xs:element name="ChangeInAssetsAndLiabilitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ftfc_ChangeInAssetsAndLiabilitiesAbstract"/> 
  <xs:element name="InvestingActivitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ftfc_InvestingActivitiesAbstract"/>   
  <xs:element name="FinancingActivitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ftfc_FinancingActivitiesAbstract"/>   
  <xs:element name="SignificantAccountingPoliciesTextBlockAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ftfc_SignificantAccountingPoliciesTextBlockAbstract"/> 
  <xs:element name="InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlockAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ftfc_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlockAbstract"/> 
  <xs:element name="FairValueDisclosuresTextBlockAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ftfc_FairValueDisclosuresTextBlockAbstract"/>   
  <xs:element name="SegmentReportingDisclosureTextBlockAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ftfc_SegmentReportingDisclosureTextBlockAbstract"/>     
  <xs:element name="AllowanceForCreditLossesTextBlockAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ftfc_AllowanceForCreditLossesTextBlockAbstract"/> 
  <xs:element name="IncomeTaxDisclosureTextBlockAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ftfc_IncomeTaxDisclosureTextBlockAbstract"/> 
  <xs:element name="ComprehensiveIncomeLossNoteTextBlockAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ftfc_ComprehensiveIncomeLossNoteTextBlockAbstract"/>  
  <xs:element name="DebtDisclosureTextBlockAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ftfc_DebtDisclosureTextBlockAbstract"/> 
  <xs:element name="ContingenciesDisclosureTextBlockAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ftfc_ContingenciesDisclosureTextBlockAbstract"/>    
  <xs:element name="SubsequentEventsTextBlockAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ftfc_SubsequentEventsTextBlockAbstract"/>     
  <xs:element name="DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ftfc_DocumentAndEntityInformationAbstract"/> 
</xs:schema>   

