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<!--XBRL document created with Bowne Tagger. XBRL Parser version 10.0.0.34-->
<!--Based on XBRL 2.1-->
<!--Created on: 5/15/2009 9:26:31 AM-->
<!--Modified on: 2/24/2010 4:38:46 AM-->
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        <link:definition>0631 - Disclosure - Off-balance sheet lending-related financial instruments, guarantees and other commitments</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>0606 - Disclosure - Noninterest revenue</link:definition>
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      <link:roleType roleURI="http://jpmorganchase.com/role/GoodwillAndOtherIntangibleAssets" id="GoodwillAndOtherIntangibleAssets">
        <link:definition>0617 - Disclosure - Goodwill and other intangible assets</link:definition>
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      <link:roleType roleURI="http://jpmorganchase.com/role/PremisesAndEquipment" id="PremisesAndEquipment">
        <link:definition>0618 - Disclosure - Premises and equipment</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>0621 - Disclosure - Accounts payable and other liabilities</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>0622 - Disclosure - Long-term debt</link:definition>
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        <link:definition>0624 - Disclosure - Common stock</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>0627 - Disclosure - Income taxes</link:definition>
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        <link:definition>0628 - Disclosure - Restrictions on cash and intercompany funds transfers</link:definition>
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        <link:definition>0629 - Disclosure - Capital</link:definition>
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        <link:definition>0632 - Disclosure - Credit risk concentrations</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://jpmorganchase.com/role/InternationalOperations" id="InternationalOperations">
        <link:definition>0633 - Disclosure - International operations</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>0635 - Disclosure - Parent company</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>00 - Document - Document and Company Information</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>041 - Statement - Consolidated statements of cash flows (Parenthetical)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>011 - Statement - Consolidated statements of income (Parenthetical)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>0620 - Disclosure - Other borrowed funds</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://jpmorganchase.com/role/PreferredStock" id="PreferredStock">
        <link:definition>0623 - Disclosure - Preferred stock</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://jpmorganchase.com/role/StatementsOfChangesInStockholdersEquityAndComprehensiveIncomeParenthetical" id="StatementsOfChangesInStockholdersEquityAndComprehensiveIncomeParenthetical">
        <link:definition>031 - Statement - Consolidated statements of changes in equity and comprehensive income (Parenthetical)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://jpmorganchase.com/role/StatementsOfChangesInStockholdersEquityAndComprehensiveIncome" id="StatementsOfChangesInStockholdersEquityAndComprehensiveIncome">
        <link:definition>03 - Statement - Consolidated statements of changes in stockholders equity and comprehensive income</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://jpmorganchase.com/role/BusinessSegments" id="BusinessSegments">
        <link:definition>0634 - Disclosure - Business segments</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://jpmorganchase.com/role/CommitmentsAndContingencies" id="CommitmentsAndContingencies">
        <link:definition>0630 - Disclosure - Commitments and contingencies</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://jpmorganchase.com/role/AccumulatedOtherComprehensiveIncomeLoss" id="AccumulatedOtherComprehensiveIncomeLoss">
        <link:definition>0626 - Disclosure - Accumulated other comprehensive income (loss)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://jpmorganchase.com/role/EarningsPerShare" id="EarningsPerShare">
        <link:definition>0625 - Disclosure - Earnings per share</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://jpmorganchase.com/role/Deposits" id="Deposits">
        <link:definition>0619 - Disclosure - Deposits</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://jpmorganchase.com/role/VariableInterestEntities" id="VariableInterestEntities">
        <link:definition>0616 - Disclosure - Variable interest entities</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://jpmorganchase.com/role/LoanSecuritizations" id="LoanSecuritizations">
        <link:definition>0615 - Disclosure - Loan securitizations</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://jpmorganchase.com/role/AllowanceForCreditLosses" id="AllowanceForCreditLosses">
        <link:definition>0614 - Disclosure - Allowance for credit losses</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>0613 - Disclosure - Loans</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://jpmorganchase.com/role/SecuritiesFinancingActivities" id="SecuritiesFinancingActivities">
        <link:definition>0612 - Disclosure - Securities financing activities</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://jpmorganchase.com/role/Securities" id="Securities">
        <link:definition>0611 - Disclosure - Securities</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://jpmorganchase.com/role/NoninterestExpense" id="NoninterestExpense">
        <link:definition>0610 - Disclosure - Noninterest expense</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://jpmorganchase.com/role/EmployeeStockbasedIncentives" id="EmployeeStockbasedIncentives">
        <link:definition>0609 - Disclosure - Employee stock-based incentives</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://jpmorganchase.com/role/PensionAndOtherPostretirementEmployeeBenefitPlans" id="PensionAndOtherPostretirementEmployeeBenefitPlans">
        <link:definition>0608 - Disclosure - Pension and other postretirement employee benefit plans</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://jpmorganchase.com/role/InterestIncomeAndInterestExpense" id="InterestIncomeAndInterestExpense">
        <link:definition>0607 - Disclosure - Interest income and Interest expense</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://jpmorganchase.com/role/DerivativeInstruments" id="DerivativeInstruments">
        <link:definition>0605 - Disclosure - Derivative instruments</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://jpmorganchase.com/role/FairValueOption" id="FairValueOption">
        <link:definition>0604 - Disclosure - Fair value option</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://jpmorganchase.com/role/FairValueMeasurement" id="FairValueMeasurement">
        <link:definition>0603 - Disclosure - Fair value measurement</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://jpmorganchase.com/role/BusinessChangesAndDevelopments" id="BusinessChangesAndDevelopments">
        <link:definition>0602 - Disclosure - Business changes and developments</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>0601 - Disclosure - Basis of presentation</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://jpmorganchase.com/role/StatementsOfCashFlows" id="StatementsOfCashFlows">
        <link:definition>04 - Statement - Consolidated statements of cash flows</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://jpmorganchase.com/role/BalalnceSheetsParenthetical" id="BalalnceSheetsParenthetical">
        <link:definition>021 - Statement - Consolidated balance sheets (Parenthetical)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://jpmorganchase.com/role/BalanceSheets" id="BalanceSheets">
        <link:definition>02 - Statement - Consolidated balance sheets</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>01 - Statement - Consolidated statements of income</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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  <element id="jpm_ProceedsFromSalesSecuritizationsAndPaydownsOfLoansHeldForSale" name="ProceedsFromSalesSecuritizationsAndPaydownsOfLoansHeldForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
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  <element id="jpm_AccountsPayableAndOtherLiabilitiesAtFairValue" name="AccountsPayableAndOtherLiabilitiesAtFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="jpm_AccountsPayableAndOtherLiabilities" name="AccountsPayableAndOtherLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
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  <element id="jpm_AssetManagementAdministrationAndCommissions" name="AssetManagementAdministrationAndCommissions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="jpm_MortgageFeesAndRelatedIncome" name="MortgageFeesAndRelatedIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="jpm_CreditCardIncome" name="CreditCardIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="jpm_OtherNoninterestIncome" name="OtherNoninterestIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
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  <element id="jpm_TechnologyCommunicationsAndEquipmentExpense" name="TechnologyCommunicationsAndEquipmentExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="jpm_ProfessionalAndOutsideServices" name="ProfessionalAndOutsideServices" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
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  <element id="jpm_Securities" name="Securities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="jpm_FederalFundsPurchasedSecuritiesSoldUnderAgreementsToRepurchaseAndSecuritiesLoaned" name="FederalFundsPurchasedSecuritiesSoldUnderAgreementsToRepurchaseAndSecuritiesLoaned" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="jpm_FederalHomeLoanBankAdvancesAndOtherShortTermBorrowings" name="FederalHomeLoanBankAdvancesAndOtherShortTermBorrowings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="jpm_TradingDerivativeLiabilities" name="TradingDerivativeLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="jpm_SecuritiesBorrowedAtFairValue" name="SecuritiesBorrowedAtFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="jpm_FederalFundsSoldAndSecuritiesPurchasedUnderResaleAgreementsAtFairValue" name="FederalFundsSoldAndSecuritiesPurchasedUnderResaleAgreementsAtFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="jpm_SecuritiesPledgedAsCollateral" name="SecuritiesPledgedAsCollateral" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="jpm_SecuritiesAtFairValue" name="SecuritiesAtFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
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  <element id="jpm_CommonStockHeldInRestrictedStockUnitTrust" name="CommonStockHeldInRestrictedStockUnitTrust" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="jpm_IncreaseDecreaseInAccruedInterestsAndAccountsReceivable" name="IncreaseDecreaseInAccruedInterestsAndAccountsReceivable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="jpm_IncreaseDecreaseInAccountsPayableAndOtherLiabilities" name="IncreaseDecreaseInAccountsPayableAndOtherLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
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  <element id="jpm_IncreaseDecreaseInAssetBackedCommercialPaper" name="IncreaseDecreaseInAssetBackedCommercialPaper" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
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  <element id="jpm_StockIssuedDuringPeriodValueShareBasedCompensationEmployeeStockPurchasePlanRestrictedStockAwardNetOfForfeituresAndOptionsExercised" name="StockIssuedDuringPeriodValueShareBasedCompensationEmployeeStockPurchasePlanRestrictedStockAwardNetOfForfeituresAndOptionsExercised" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
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  <element id="jpm_AcceleratedAmortizationFromRedemptionOfPreferredStockIssuedToUSTreasury" name="AcceleratedAmortizationFromRedemptionOfPreferredStockIssuedToUSTreasury" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="jpm_PreferredStockTextBlock" name="PreferredStockTextBlock" type="us-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
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  <element id="jpm_OtherBorrowedFundsTextBlock" name="OtherBorrowedFundsTextBlock" type="us-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
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  <element id="jpm_CommonStockIssuedInConnectionWithMerger" name="CommonStockIssuedInConnectionWithMerger" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="jpm_DocumentAndCompanyInformationAbstract" name="DocumentAndCompanyInformationAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
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  <element id="jpm_IssuanceOfPreferredStockConversionOfPreferredStock" name="IssuanceOfPreferredStockConversionOfPreferredStock" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
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  <element id="jpm_PreferredStockShareIssued" name="PreferredStockShareIssued" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <element id="jpm_FairValueOfCommonStockSharesResultingFromMerger" name="FairValueOfCommonStockSharesResultingFromMerger" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="jpm_CapitalSurplusOther" name="CapitalSurplusOther" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="jpm_TotalOtherThanTemporaryImpairmentLosses" name="TotalOtherThanTemporaryImpairmentLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="jpm_AccruedInterestAndAccountsReceivablesAtFairValue" name="AccruedInterestAndAccountsReceivablesAtFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="jpm_ProceedsFromIssuanceOfPreferredStockAndWarrantToUSTreasury" name="ProceedsFromIssuanceOfPreferredStockAndWarrantToUSTreasury" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
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  <element id="jpm_AccountsPayableAndOtherLiabilitiesAbstract" name="AccountsPayableAndOtherLiabilitiesAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="jpm_AccountsPayableAndOtherLiabilitiesTextBlock" name="AccountsPayableAndOtherLiabilitiesTextBlock" type="us-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
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  <element id="jpm_BusinessCombinationDisclosureAndOtherBusinessEventsDisclosuresTextBlock" name="BusinessCombinationDisclosureAndOtherBusinessEventsDisclosuresTextBlock" type="xbrli:normalizedStringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
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  <element id="jpm_FairValueMeasurementAndFairValueByBalanceSheetGroupTextBlock" name="FairValueMeasurementAndFairValueByBalanceSheetGroupTextBlock" type="xbrli:normalizedStringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
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</schema>
</XBRL>
