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

  


                                 EXHIBIT 27.2
                             Financial Data Schedule
                                 March 31, 1999

<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM NBT BANCORP
INC'S FORM 10-Q FOR THE PERIOD ENDED MARCH 31, 1999 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-31-1999
<PERIOD-START>                              JAN-1-1999
<PERIOD-END>                               MAR-31-1999
<EXCHANGE-RATE>                                      1
<CASH>                                          53,223
<INT-BEARING-DEPOSITS>                           7,011
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    491,502
<INVESTMENTS-CARRYING>                          70,386
<INVESTMENTS-MARKET>                            70,094
<LOANS>                                      1,081,971
<ALLOWANCE>                                     15,608
<TOTAL-ASSETS>                               1,787,508
<DEPOSITS>                                   1,334,145
<SHORT-TERM>                                   119,648
<LIABILITIES-OTHER>                             13,868
<LONG-TERM>                                    149,887
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        17,964
<OTHER-SE>                                     151,996
<TOTAL-LIABILITIES-AND-EQUITY>               1,787,508
<INTEREST-LOAN>                                 22,679
<INTEREST-INVEST>                                8,465
<INTEREST-OTHER>                                   458
<INTEREST-TOTAL>                                31,602
<INTEREST-DEPOSIT>                              11,006
<INTEREST-EXPENSE>                              13,884
<INTEREST-INCOME-NET>                           17,718
<LOAN-LOSSES>                                    1,120
<SECURITIES-GAINS>                                 668
<EXPENSE-OTHER>                                 11,816
<INCOME-PRETAX>                                  9,058
<INCOME-PRE-EXTRAORDINARY>                       5,776
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,776
<EPS-BASIC>                                        .32
<EPS-DILUTED>                                      .32
<YIELD-ACTUAL>                                    4.52
<LOANS-NON>                                      6,029
<LOANS-PAST>                                       835
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 35,161
<ALLOWANCE-OPEN>                                15,322
<CHARGE-OFFS>                                    1,055
<RECOVERIES>                                       221
<ALLOWANCE-CLOSE>                               15,608
<ALLOWANCE-DOMESTIC>                            13,871
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,737