<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