WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  


                                  EXHIBIT 27.1
                             Financial Data Schedule
                                 March 31, 2000




<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM NBT BANCORP
INC'S FORM 10-Q FOR THE PERIOD ENDED MARCH 31, 2000 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER>                          1,000
<CURRENCY>                            U.S. DOLLARS

                                        
<PERIOD-TYPE>                                    3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                              JAN-1-2000
<PERIOD-END>                               MAR-31-2000
<EXCHANGE-RATE>                                      1
<CASH>                                          59,800
<INT-BEARING-DEPOSITS>                           1,023
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    497,528
<INVESTMENTS-CARRYING>                          78,772
<INVESTMENTS-MARKET>                            75,808
<LOANS>                                      1,295,651
<ALLOWANCE>                                     17,543
<TOTAL-ASSETS>                               2,029,106
<DEPOSITS>                                   1,523,749
<SHORT-TERM>                                   165,445
<LIABILITIES-OTHER>                             15,587
<LONG-TERM>                                    161,793
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           186
<OTHER-SE>                                     162,346
<TOTAL-LIABILITIES-AND-EQUITY>               2,029,106
<INTEREST-LOAN>                                 27,189
<INTEREST-INVEST>                                9,865
<INTEREST-OTHER>                                   402
<INTEREST-TOTAL>                                37,456
<INTEREST-DEPOSIT>                              13,446
<INTEREST-EXPENSE>                              17,846
<INTEREST-INCOME-NET>                           19,610
<LOAN-LOSSES>                                    1,334
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 14,983
<INCOME-PRETAX>                                  6,908
<INCOME-PRE-EXTRAORDINARY>                       4,241
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,241
<EPS-BASIC>                                        .24
<EPS-DILUTED>                                      .23
<YIELD-ACTUAL>                                    4.32
<LOANS-NON>                                      7,740
<LOANS-PAST>                                       630
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 28,739
<ALLOWANCE-OPEN>                                16,654
<CHARGE-OFFS>                                      693
<RECOVERIES>                                       248
<ALLOWANCE-CLOSE>                               17,543
<ALLOWANCE-DOMESTIC>                            14,568
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,975