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

  


<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM NBT BANCORP
INC'S FORM 10-Q FOR THE PERIOD ENDED JUNE 30, 2000 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER>                          1,000
<CURRENCY>                            U.S. DOLLARS

                                        
<PERIOD-TYPE>                                    6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                              JAN-1-2000
<PERIOD-END>                               JUN-30-2000
<EXCHANGE-RATE>                                      1
<CASH>                                          61,339
<INT-BEARING-DEPOSITS>                           7,434
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    489,572
<INVESTMENTS-CARRYING>                          70,620
<INVESTMENTS-MARKET>                            68,011
<LOANS>                                      1,373,114
<ALLOWANCE>                                     18,796
<TOTAL-ASSETS>                               2,101,321
<DEPOSITS>                                   1,595,973
<SHORT-TERM>                                   160,554
<LIABILITIES-OTHER>                             16,140
<LONG-TERM>                                    160,983
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           190
<OTHER-SE>                                     167,481
<TOTAL-LIABILITIES-AND-EQUITY>               2,101,321
<INTEREST-LOAN>                                 56,498
<INTEREST-INVEST>                               19,527
<INTEREST-OTHER>                                   883
<INTEREST-TOTAL>                                76,908
<INTEREST-DEPOSIT>                              28,447
<INTEREST-EXPENSE>                              37,271
<INTEREST-INCOME-NET>                           39,637
<LOAN-LOSSES>                                    3,559
<SECURITIES-GAINS>                                   7
<EXPENSE-OTHER>                                 31,897
<INCOME-PRETAX>                                 11,958
<INCOME-PRE-EXTRAORDINARY>                       7,328
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     7,328
<EPS-BASIC>                                        .40
<EPS-DILUTED>                                      .40
<YIELD-ACTUAL>                                    4.28
<LOANS-NON>                                      7,104
<LOANS-PAST>                                       790
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 26,937
<ALLOWANCE-OPEN>                                16,654
<CHARGE-OFFS>                                    1,902
<RECOVERIES>                                       485
<ALLOWANCE-CLOSE>                               18,796
<ALLOWANCE-DOMESTIC>                            16,767
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,029




                                  EXHIBIT 27.2
                Financial Data Schedule for the six months ended
                                  June 30, 1999