<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM NBT BANCORP
INC'S FORM 10-Q FOR THE PERIOD ENDED JUNE, 30, 1998 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-31-1998
<PERIOD-START>                      JAN-1-1998
<PERIOD-END>                       JUN-30-1998
<EXCHANGE-RATE>                              1
<CASH>                                  38,963
<INT-BEARING-DEPOSITS>                   3,976
<FED-FUNDS-SOLD>                             0
<TRADING-ASSETS>                             0
<INVESTMENTS-HELD-FOR-SALE>            409,184
<INVESTMENTS-CARRYING>                  37,137
<INVESTMENTS-MARKET>                    37,137
<LOANS>                                779,087
<ALLOWANCE>                             12,239
<TOTAL-ASSETS>                       1,298,442
<DEPOSITS>                           1,000,901
<SHORT-TERM>                           152,150
<LIABILITIES-OTHER>                      6,173
<LONG-TERM>                             10,178
<PREFERRED-MANDATORY>                        0
<PREFERRED>                                  0
<COMMON>                                12,426
<OTHER-SE>                             116,614
<TOTAL-LIABILITIES-AND-EQUITY>       1,298,442
<INTEREST-LOAN>                         34,601
<INTEREST-INVEST>                       15,822
<INTEREST-OTHER>                           109
<INTEREST-TOTAL>                        50,532
<INTEREST-DEPOSIT>                      19,079
<INTEREST-EXPENSE>                      22,389
<INTEREST-INCOME-NET>                   28,143
<LOAN-LOSSES>                            2,250
<SECURITIES-GAINS>                         445
<EXPENSE-OTHER>                         18,941
<INCOME-PRETAX>                         12,059
<INCOME-PRE-EXTRAORDINARY>               9,782
<EXTRAORDINARY>                              0
<CHANGES>                                    0
<NET-INCOME>                             9,782
<EPS-PRIMARY>                              .81
<EPS-DILUTED>                              .80
<YIELD-ACTUAL>                            4.72
<LOANS-NON>                              5,470
<LOANS-PAST>                               983
<LOANS-TROUBLED>                             0
<LOANS-PROBLEM>                         27,105
<ALLOWANCE-OPEN>                        11,582
<CHARGE-OFFS>                            2,003
<RECOVERIES>                               410
<ALLOWANCE-CLOSE>                       12,239
<ALLOWANCE-DOMESTIC>                     8,578
<ALLOWANCE-FOREIGN>                          0
<ALLOWANCE-UNALLOCATED>                  3,661