<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>                                          45,041
<INT-BEARING-DEPOSITS>                           6,808
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    350,495
<INVESTMENTS-CARRYING>                          35,942
<INVESTMENTS-MARKET>                            35,942
<LOANS>                                        877,179
<ALLOWANCE>                                     13,361
<TOTAL-ASSETS>                               1,350,770
<DEPOSITS>                                   1,012,274
<SHORT-TERM>                                   169,301
<LIABILITIES-OTHER>                              6,878
<LONG-TERM>                                     35,164
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        13,016
<OTHER-SE>                                     114,137
<TOTAL-LIABILITIES-AND-EQUITY>               1,350,770
<INTEREST-LOAN>                                 36,430
<INTEREST-INVEST>                               12,354
<INTEREST-OTHER>                                   156
<INTEREST-TOTAL>                                48,940
<INTEREST-DEPOSIT>                              16,586
<INTEREST-EXPENSE>                              19,492
<INTEREST-INCOME-NET>                           29,448
<LOAN-LOSSES>                                    1,950
<SECURITIES-GAINS>                                 670
<EXPENSE-OTHER>                                 17,854
<INCOME-PRETAX>                                 15,406
<INCOME-PRE-EXTRAORDINARY>                       9,543
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     9,543
<EPS-BASIC>                                      .77
<EPS-DILUTED>                                      .76
<YIELD-ACTUAL>                                    4.91
<LOANS-NON>                                      3,339
<LOANS-PAST>                                       441
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 29,295
<ALLOWANCE-OPEN>                                12,962
<CHARGE-OFFS>                                    1,940
<RECOVERIES>                                       389
<ALLOWANCE-CLOSE>                               13,361
<ALLOWANCE-DOMESTIC>                            11,674
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,687