<?xml version="1.0" encoding="utf-8"?>
<!-- Created by Charles Hoffman, CPA, UBmatrix: 2005-07-07 -->
<schema xmlns="http://www.w3.org/2001/XMLSchema" 
        xmlns:segments="http://www.xbrl.org/frta/segments" 
        targetNamespace="http://www.xbrl.org/frta/segments" 
        elementFormDefault="qualified" 
        attributeFormDefault="unqualified">
  <element name="ReportingSegment">
    <annotation>
      <documentation>Reporting Segment used with FRIS compliant instances</documentation>
    </annotation>
    <complexType>
      <sequence>
        <element ref="segments:segmentTypeHead"/>
      </sequence>
    </complexType>
  </element>
  <complexType name="segmentType">
    <sequence/>
  </complexType>
  <element name="segmentTypeHead" type="segments:segmentType" abstract="true"/>

  <element name="Group" type="segments:segmentType" substitutionGroup="segments:segmentTypeHead"/>
  <element name="North" type="segments:segmentType" substitutionGroup="segments:segmentTypeHead"/>
  <element name="South" type="segments:segmentType" substitutionGroup="segments:segmentTypeHead"/>
  <element name="East" type="segments:segmentType" substitutionGroup="segments:segmentTypeHead"/>
  <element name="West" type="segments:segmentType" substitutionGroup="segments:segmentTypeHead"/>

</schema>