<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM NBT BANCORP
INC'S FORM 10-Q FOR THE PERIOD ENDED JUNE 30, 1999 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-31-1999
<PERIOD-START>                              JAN-1-1999
<PERIOD-END>                               JUN-30-1999
<EXCHANGE-RATE>                                      1
<CASH>                                          57,473
<INT-BEARING-DEPOSITS>                           7,883
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    492,339
<INVESTMENTS-CARRYING>                          71,465
<INVESTMENTS-MARKET>                            68,957
<LOANS>                                      1,125,581
<ALLOWANCE>                                     15,711
<TOTAL-ASSETS>                               1,843,664
<DEPOSITS>                                   1,341,361
<SHORT-TERM>                                   179,548
<LIABILITIES-OTHER>                             10,788
<LONG-TERM>                                    149,132
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        17,976
<OTHER-SE>                                     144,859
<TOTAL-LIABILITIES-AND-EQUITY>               1,843,664
<INTEREST-LOAN>                                 46,085
<INTEREST-INVEST>                               17,541
<INTEREST-OTHER>                                   914
<INTEREST-TOTAL>                                64,540
<INTEREST-DEPOSIT>                              22,027
<INTEREST-EXPENSE>                              28,274
<INTEREST-INCOME-NET>                           36,266
<LOAN-LOSSES>                                    2,350
<SECURITIES-GAINS>                                 876
<EXPENSE-OTHER>                                 23,962
<INCOME-PRETAX>                                 17,930
<INCOME-PRE-EXTRAORDINARY>                      11,496
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    11,496
<EPS-BASIC>                                        .64
<EPS-DILUTED>                                      .64
<YIELD-ACTUAL>                                    4.52
<LOANS-NON>                                      5,533
<LOANS-PAST>                                       781
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 31,095
<ALLOWANCE-OPEN>                                15,322
<CHARGE-OFFS>                                    2,400
<RECOVERIES>                                       439
<ALLOWANCE-CLOSE>                               15,711
<ALLOWANCE-DOMESTIC>                            14,024
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,687