<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM NBT BANCORP
INC'S FORM 10-Q FOR THE PERIOD ENDED SEPTEMBER 30, 1999 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-31-1999
<PERIOD-START>                      JAN-1-1999
<PERIOD-END>                       SEP-30-1999
<EXCHANGE-RATE>                              1
<CASH>                                  38,576
<INT-BEARING-DEPOSITS>                   6,225
<FED-FUNDS-SOLD>                             0
<TRADING-ASSETS>                             0
<INVESTMENTS-HELD-FOR-SALE>            355,137
<INVESTMENTS-CARRYING>                  41,216
<INVESTMENTS-MARKET>                    41,215
<LOANS>                                898,668
<ALLOWANCE>                             13,555
<TOTAL-ASSETS>                       1,378,259
<DEPOSITS>                           1,094,473
<SHORT-TERM>                           113,163
<LIABILITIES-OTHER>                      7,583
<LONG-TERM>                             35,161
<PREFERRED-MANDATORY>                        0
<PREFERRED>                                  0
<COMMON>                                13,016
<OTHER-SE>                             114,863
<TOTAL-LIABILITIES-AND-EQUITY>       1,378,259
<INTEREST-LOAN>                         56,076
<INTEREST-INVEST>                       19,061
<INTEREST-OTHER>                           232
<INTEREST-TOTAL>                        75,369
<INTEREST-DEPOSIT>                      25,344
<INTEREST-EXPENSE>                      30,324
<INTEREST-INCOME-NET>                   45,045
<LOAN-LOSSES>                            2,925
<SECURITIES-GAINS>                       1,507
<EXPENSE-OTHER>                         27,940
<INCOME-PRETAX>                         23,386
<INCOME-PRE-EXTRAORDINARY>              14,356
<EXTRAORDINARY>                              0
<CHANGES>                                    0
<NET-INCOME>                            14,356
<EPS-BASIC>                               1.16
<EPS-DILUTED>                             1.14
<YIELD-ACTUAL>                            4.88
<LOANS-NON>                              2,792
<LOANS-PAST>                               377
<LOANS-TROUBLED>                             0
<LOANS-PROBLEM>                         27,885
<ALLOWANCE-OPEN>                        12,962
<CHARGE-OFFS>                            2,952
<RECOVERIES>                               620
<ALLOWANCE-CLOSE>                       13,555
<ALLOWANCE-DOMESTIC>                    11,447
<ALLOWANCE-FOREIGN>                          0
<ALLOWANCE-UNALLOCATED>                  2,108