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

                                        
<PERIOD-TYPE>                                    9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                              JAN-1-2000
<PERIOD-END>                               SEP-30-2000
<EXCHANGE-RATE>                                      1
<CASH>                                          62,964
<INT-BEARING-DEPOSITS>                           1,896
<FED-FUNDS-SOLD>                                11,465
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    590,895
<INVESTMENTS-CARRYING>                         107,320
<INVESTMENTS-MARKET>                           104,742
<LOANS>                                      1,667,633
<ALLOWANCE>                                     22,682
<TOTAL-ASSETS>                               2,559,064
<DEPOSITS>                                   1,936,483
<SHORT-TERM>                                   154,162
<LIABILITIES-OTHER>                             25,018
<LONG-TERM>                                    236,418
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           242
<OTHER-SE>                                     206,741
<TOTAL-LIABILITIES-AND-EQUITY>               2,559,064
<INTEREST-LOAN>                                103,059
<INTEREST-INVEST>                               35,663
<INTEREST-OTHER>                                 1,864
<INTEREST-TOTAL>                               140,586
<INTEREST-DEPOSIT>                              52,830
<INTEREST-EXPENSE>                              69,734
<INTEREST-INCOME-NET>                           70,852
<LOAN-LOSSES>                                    5,418
<SECURITIES-GAINS>                                 143
<EXPENSE-OTHER>                                 57,540
<INCOME-PRETAX>                                 22,755
<INCOME-PRE-EXTRAORDINARY>                      14,504
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    14,504
<EPS-BASIC>                                        .62
<EPS-DILUTED>                                      .62
<YIELD-ACTUAL>                                    4.17
<LOANS-NON>                                      9,257
<LOANS-PAST>                                     2,224
<LOANS-TROUBLED>                                   747
<LOANS-PROBLEM>                                 27,808
<ALLOWANCE-OPEN>                                19,711
<CHARGE-OFFS>                                    3,365
<RECOVERIES>                                       918
<ALLOWANCE-CLOSE>                               22,682
<ALLOWANCE-DOMESTIC>                            22,682
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,811