<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM NBT BANCORP INC'S FORM 10-K FOR THE PERIOD ENDED DECEMBER 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO FINANCIAL STATEMENTS </LEGEND> <CIK> 0000790359 <NAME> NBT BANCORP INC. <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> DEC-31-1999 <EXCHANGE-RATE> 1 <CASH> 41,183 <INT-BEARING-DEPOSITS> 4,850 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 341,586 <INVESTMENTS-CARRYING> 42,446 <INVESTMENTS-MARKET> 42,446 <LOANS> 923,031 <ALLOWANCE> 13,855 <TOTAL-ASSETS> 1,393,617 <DEPOSITS> 1,108,073 <SHORT-TERM> 115,299 <LIABILITIES-OTHER> 8,552 <LONG-TERM> 35,157 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 13,637 <OTHER-SE> 112,899 <TOTAL-LIABILITIES-AND-EQUITY> 1,393,617 <INTEREST-LOAN> 75,862 <INTEREST-INVEST> 25,790 <INTEREST-OTHER> 307 <INTEREST-TOTAL> 101,959 <INTEREST-DEPOSIT> 34,588 <INTEREST-EXPENSE> 41,377 <INTEREST-INCOME-NET> 60,582 <LOAN-LOSSES> 3,900 <SECURITIES-GAINS> 1,507 <EXPENSE-OTHER> 38,507 <INCOME-PRETAX> 29,972 <INCOME-PRE-EXTRAORDINARY> 18,370 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 18,370 <EPS-BASIC> 1.41 <EPS-DILUTED> 1.40 <YIELD-ACTUAL> 4.85 <LOANS-NON> 4,228 <LOANS-PAST> 507 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 36,074 <ALLOWANCE-OPEN> 12,962 <CHARGE-OFFS> 3,895 <RECOVERIES> 888 <ALLOWANCE-CLOSE> 13,855 <ALLOWANCE-DOMESTIC> 11,312 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,543