<?xml version="1.0" encoding="utf-8"?>
<?taxonomy-version 1.3.0?>
<!-- Copyright (C) 2007 CEBS Secretariat Ltd., Tower 42, 25 Old Broad Street, London, EC2N 1HQ, United Kingdom. -->
<schema
	xmlns="http://www.w3.org/2001/XMLSchema"
	xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
	xmlns:xbrli="http://www.xbrl.org/2003/instance"
	xmlns:link="http://www.xbrl.org/2003/linkbase"
	xmlns:xlink="http://www.w3.org/1999/xlink"
	xmlns:d-PastDue="http://www.c-ebs.org/eu/fr/esrs/finrep/d-PastDue/2008-01-01"
	targetNamespace="http://www.c-ebs.org/eu/fr/esrs/finrep/d-PastDue/2008-01-01"
	elementFormDefault="qualified" 
	attributeFormDefault="unqualified">
  <annotation>
    <appinfo>
      <link:roleType roleURI="http://www.c-ebs.org/eu/fr/esrs/finrep/2008-01-01/role/PastDue" id="PastDue">
        <link:definition>Past-Due</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.c-ebs.org/eu/fr/esrs/finrep/2008-01-01/role/HcPastDueHypercube" id="HcPastDueHypercube">
        <link:definition>Past-Due Hypercube</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:linkbaseRef xlink:type="simple" xlink:href="d-PastDue-2008-01-01-label.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Label Links, all" />
      <link:linkbaseRef xlink:type="simple" xlink:href="d-PastDue-2008-01-01-definition.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Definition Links, all" />
      <link:linkbaseRef xlink:type="simple" xlink:href="d-PastDue-2008-01-01-references.xml" xlink:role="http://www.xbrl.org/2003/role/referenceLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Reference Links, all" />
      <link:linkbaseRef xlink:type="simple" xlink:href="d-PastDue-2008-01-01-presentation.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Presentation Links, all" />
    </appinfo>
  </annotation>
  <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
  <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
  <element id="d-PastDue_HcPastDueHypercube" name="HcPastDueHypercube" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="instant" abstract="true" nillable="true" />
  <element id="d-PastDue_Between181Days1Year" name="Between181Days1Year" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" abstract="true" nillable="true" />
  <element id="d-PastDue_Between91180Days" name="Between91180Days" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" abstract="true" nillable="true" />
  <element id="d-PastDue_LessThan90Days" name="LessThan90Days" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" abstract="true" nillable="true" />
  <element id="d-PastDue_Over1Year" name="Over1Year" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" abstract="true" nillable="true" />
  <element id="d-PastDue_PastDueDomain" name="PastDueDomain" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" abstract="true" nillable="true" />
  <element id="d-PastDue_ByPastDueDimension" name="ByPastDueDimension" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" xbrli:periodType="instant" abstract="true" nillable="true" />
</schema>